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EOS Magazine

Portret siedzącego dojrzałego biznesmena w niebieskim garniturze, trzymającego białą filiżankę kawy

Secured receivables Unsecured receivables

Receivables as a burden? EOS creates space for banks.

Feb 24, 2026

3 min.

Are your receivables weighing down your balance sheet? EOS can take over your distressed assets. Tailored solutions from a single source, whether your assets are secured, unsecured or real estate.

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Młody mężczyzna z pokolenia Z z niepokojem wygląda przez okno.

Corporate Responsibility European

EOS focuses on early financial literacy education for Gen Z

Jan 29, 2026

4 min.

Gen Z is experiencing increasing financial insecurity. Through educational initiatives, EOS bolsters young people’s financial literacy and lays the groundwork for responsible money management.

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Miejsce pracy z materiałami EOS na warsztaty edukacji finansowej w Polsce – broszury, zeszyty i artykuły biurowe na drewnianym biurku

Corporate Responsibility

Financial Education Workshops by EOS Poland at SOS Wioski Dziecięce

Jan 8, 2026

8 min.

Financial education is the key to adulthood. See how EOS Poland experts help young people from SOS Children's Villages manage money consciously.

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Dyrektor generalny w szarym bleyzerze i dyrektor finansowy Grupy EOS w niebieskim bleyzerze przechodzą przez nowoczesne biuro. Przestrzeń charakteryzuje się dużymi oknami, zakrzywioną ścianą i stylowymi wiszącymi lampami.

Financial Investor Business Figures

EOS: Fiscal year 2024/25

Aug 13, 2025

4 min.

As a buyer and service provider in European receivables management, EOS combines success with responsibility. Marwin Ramcke and Dr. Eva Griewel provide insights into the 2024/25 fiscal year.

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Trzech mężczyzn z zarządu Grupy EOS stoi w strojach biznesowych przed windami w nowoczesnym otoczeniu.

Financial Investor Non Performing Loans

EOS Group: Fiscal year 2024/25 by regions

Aug 13, 2025

5 min.

Successful fiscal year in all three regions: EOS Board members Carsten Tidow (Eastern Europe), Sebastian Pollmer (Western Europe), and Dr. Stephan Ohlmeyer (Central Europe) take stock.

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SI w ściąganiu długów: Na tym obrazku dwóch profesjonalistów wspólnie analizuje kod programu dla procesów automatyzacji na dużym ekranie. Scena ilustruje praktyczne zastosowanie sztucznej inteligencji (SI) i robotyzowanej automatyzacji procesów (RPA) w zarządzaniu długami – przykład cyfrowej transformacji w zarządzaniu należnościami.

Innovation & Trends Digitalization

AI and the future of debt collection

Jun 25, 2025

4 min.

How is AI reshaping the financial sector? In this interview, Dobrin Mirevski and Paul Baltag share their views on upcoming changes – from ethical automation to real-time decision-making.

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Young woman on her cell phone next to an EOS team member with headphones and two women talking

Innovation & Trends Corporate Responsibility

Plain language: Improving communication with consumers

Feb 27, 2025

3 min.

Plain language helps companies and consumers alike. In this interview, an expert in the field explains why that is so and why it is especially important in the debt collection segment.

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Uczciwa windykacja: Dłużnik w średnim wieku, ubrany w oliwkową marynarkę, z niepokojem wygląda przez okno.

Receivables Management Corporate Responsibility

Fair debt collection: The person behind the debt.

Feb 15, 2025

4 min.

The central question in responsible debt collection is: How do we handle defaulting payers? As EOS demonstrates, there is more than one good answer to this question.

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Marwin Ramcke, CEO, stoi w niebieskim garniturze z prawą ręką w kieszeni spodni w jasnym pomieszczeniu.

Financial Investor Corporate Responsibility

Interview: EOS Board on the 2023/24 financial year

Aug 7, 2024

7 min.

The EOS Board on the 2023/24 financial year: How business has developed in the regions, why sustainability remains a key focus area, and how EOS is optimally prepared for the future.

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Kollecto+ to cyfrowy system windykacji firmy EOS.

Receivables Management Innovation & Trends

Digital debt collection system: The success story of Kollecto+

Apr 30, 2024

3 min.

Almost half of EOS national subsidiaries work with Kollecto+. The digital collection system is making great strides and offers customers and consumers alike many benefits.

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Illustration of woman in front of computer facing a robot

Receivables Management Innovation & Trends

RPA: Improving quality with software robots at EOS

Feb 27, 2024

2 min.

“Programmed revolution”: The EOS Group is optimizing its digital receivables management with robotic process automation, freeing up staff for more complex and creative tasks.

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Ekspert ds. cyberbezpieczeństwa Janusch Skubatz, dyrektor ds. bezpieczeństwa informacji w Grupie EOS, w brązowych włosach i białej koszuli.

Data Analytics Innovation & Trends

Not sure about generative AI? The balance between innovation and risk.

Feb 16, 2024

4 min.

Generative AI offers companies enormous potential. The Otto Group reduces these risks with its in-house ogGPT tool. The EOS Group also benefits from this.

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Innovation & Trends Digitalization

How generative AI is taking over routine tasks in the financial sector

Jan 19, 2024

3 min.

Already, generative AI can handle a lot of typical tasks in financial services companies. EOS is testing how chatbots can reduce employee workload even more and improve their efficiency.

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A photo shows a dilapidated building in Režanci, Croatia. A ‘stranded asset’ that EOS Croatia is putting back on the market.

Stranded assets: EOS creates solutions for unusable real estate.

Jul 26, 2023

2 min.

The number of unusable properties is growing, partly as a result of increasing requirements for sustainability. EOS is developing new areas of expertise to bring stranded assets like these back onto the market.

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Zdjęcie grupowe przedstawia członków zarządu EOS (od lewej do prawej) Andreas Kropp (Niemcy), Justus Hecking-Veltman (finanse), Marwin Ramcke (CEO), Carsten Tidow (Europa Wschodnia) i Dr. Andreas Witzig (Europa Zachodnia).

2022/23 fiscal year: The Board of the EOS Group takes stock.

Jul 26, 2023

4 min.

In this interview, the members of the Board of the EOS Group talk about the positive developments in fiscal 2022/23, employees, diversity, and the responsibility of debt collection companies.

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Cybersecurity is a top priority for EOS. To achieve this the company is setting up an international protective shield.

EOS Group relies on cutting-edge technology for data protection.

Jul 26, 2023

2 min.

Using cutting-edge technology, EOS protects the data of customers and consumers from attacks by criminals. The new cyber-shield “Iron EOS” makes this an even faster and more efficient process.

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A man and a woman having a relaxed-looking conversation, as a symbolic image of a corporate culture where employees have autonomy.

Empowerment: How EOS attracts and retains employees.

Jul 26, 2023

3 min.

Supporting and encouraging people ensures growth: EOS has created numerous programs that enable employees to grow both personally and professionally.

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Na zdjęciu Cristian Musat, Managing Director w EOS International BVG, a jednocześnie „mózg” projektu Kollecto+.

Debt collection software: More efficiency thanks to standardized system.

Jul 26, 2023

2 min.

In the Kollecto+ collection system, all EOS companies pool their knowledge and experience, and in doing so improve the efficiency of the entire Group.

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A graphic shows several people communicating with each other through email, conversations, and letters.

Corporate Responsibility

How EOS makes debt collection responsible and fair.

Jul 26, 2023

3 min.

EOS stands for fair and respectful receivables management. The debt collection company accomplishes this with technology that simplifies processes for consumers and with trained staff.

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Financial literacy: Learning at an early age about how to handle money properly can protect people from excessive debt later on.

Corporate Responsibility

Financial literacy: How EOS is committed to improving financial skills.

Jul 26, 2023

4 min.

A lack of financial education can accelerate the path to excessive personal debt, especially among young people. With its debt collection expertise, EOS supports financial literacy programs that aim to counter such developments.

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A photomontage shows a car traveling toward the sunset in the right lane of a paved road in an open, green landscape. The asphalt on the opposite lane is completely worn down.

International debt collection: EOS handles receivables management globally for Hertz.

Jul 24, 2023

3 min.

Cross-border receivables present both logistical and legal challenges. Car rental company Hertz relies on the expertise of EOS for its international debt collection.

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An illustration shows a man and a woman in business attire shaking hands. In the background is a globe with several locations pinned on it – and a stylized income statement.

International debt collection: How EOS processes receivables worldwide.

Jul 17, 2023

3 min.

EOS is active in 180 countries with its own companies or selected partners. Banks that regularly sell cross-border debts to EOS also profit from this network.

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EOS w UN Global Compact: Alisha Kumar i Sibylle Weingart są odpowiedzialne za obszar społecznej odpowiedzialności biznesu w EOS.

EOS in the UN Global Compact: Taking CR to the next level.

Jul 20, 2022

6 min.

Joining the UN Global Compact is helping EOS to devise a strategy for its corporate social responsibility. How can the goals of the initiative be applied to your own business?

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Technology highlights of the EOS Group: overview of all trends.

From analytics to security tools: The tech highlights of the EOS Group.

Jul 20, 2022

3 min.

Year after year, EOS invests in new technological trends. Four examples show how EOS clients, and consumers, can now benefit from these technologies.

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EOS Annual Report 2021/22: Secured debt purchase at EOS

Interview: “The secured receivables market is all about relationships”

Jul 20, 2022

6 min.

EOS has greatly expanded its expertise in the processing of non-performing secured loans in recent years. Experts from two EOS countries share their experiences and provide insights into two very different markets.

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Innovation & Trends

The new EOS brand: Pioneering and more dynamic and digital.

Mar 1, 2022

3 min.

In this interview, CEO Marwin Ramcke talks about the mindset behind the brand and what it means for the company’s business partners.

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Portrait photograph of Marwin Ramcke, Managing Director of the EOS Group and responsible for the Eastern Europe region

Interview with new EOS CEO Ramcke: “We are going to set new benchmarks.”

Feb 1, 2022

4 min.

Marwin Ramcke leads the EOS Group as new CEO. In this interview he reveals his plans for the future and discusses the challenges he sees managers facing today.

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EOS Chatbot Survey: How employees and customers profit from AI

Nov 9, 2021

4 min.

Chatbots relieve employees of simple tasks – giving them more time for more complex customer issues and increasing their satisfaction.

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envelope, alarm, push-button, switch, clock

EOS 2021 Chatbot Survey: Two of three companies use bots.

Nov 9, 2021

5 min.

Nearly two thirds of European companies are already using chatbots – and this number is growing. But they are still leaving a lot of potential untapped.

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Biznesmen patrząc od hotelu: konsumenci nie mają poczucia bezpieczeństwa danych w sieci

EOS survey reveals that consumers have no digital trust

Oct 6, 2020

4 min.

Do you have digital trust? A recent EOS survey shows that only a minority of consumers believe that companies handle their personal data in a trustworthy way.

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Użytkownicy smartfonów w wielkim mieście: dane osobowe stały się ważnym towarem.

Data as currency: EOS survey shows consumers are open to selling data

Oct 6, 2020

3 min.

Personal information for money? EOS survey shows that one in three Europeans is willing to sell data in return for attractive rewards.

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A project team discusses target groups around the whiteboard.

At EOS, Big data won’t work without humans guiding it.

Nov 14, 2018

It’s not just about technology, it’s about people developing a data-driven mindset, the Center of Analytics team explains.

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A young man with a headset smiles while on the phone.

Want to be rid of your debts? These people can show you how.

Aug 24, 2018

The call center agents at EOS have quite a record of helping people to pay their dues.

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Two men and a woman having a debate in front of their computer screens.

The rise of RegTechs: Can AI really make compliance less risky, boring and expensive?

Jul 4, 2018

A new breed of fintech firm is promising to make requirements like know-your-customer a breeze.

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A project team discusses the status of tasks that have been written on Post-its and stuck to the wall.

More than a buzzword: Why EOS is turning to Agile Software Development.

Jun 27, 2018

If you work in a rapidly changing market your business software needs to keep up with the pace – as do the people using it.

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Would you rather buy a house or see the world? How Millenials handle debt.

Jun 25, 2018

The Generation Y and the clichés about their handling of money. For what do millennials spend money wisely and where do they waste it.

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Don't lose your nerves: What you need to know about buying debt in Central and Eastern Europe.

Jun 25, 2018

EOS Director Marwin Ramcke explains his success strategy for trading NPL in 2018.

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European Banking Authority (EBA) conference room

Collateralised NPL: These trends are shaping the market in 2018.

Jun 25, 2018

3 min.

New regulations could attract more high quality investors und lead to rising trade volumes.

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Annual and Sustainability Report 2024/25

In our Annual and Sustainability Report, we reflect on a successful financial year in which we courageously tackled new challenges. The report outlines the EOS Group’s principal activities and business highlights, along with its strategies for corporate, social, and environmental responsibility.

Read the full report here

Dwóch pracowników EOS wspólnie patrzy na laptopa, zaabsorbowanych rozmową

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