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We get your cash and keep your customers.

We create win-win-solutions.

We understand your customers and your business. And always come up with tailored solutions that suit both sides. For the right solution we combine talent with technology, brains with bytes and emotional with artificial intelligence. We invested in smart financial services, so we know your customers better than anyone. And to serve you better than anyone. Whatever financial problem you've got – you can count on us: we'll save you time, money and customers.

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Smart financial services.

  • EOS KSI Poland – expertise you can rely on

    Let us manage your accounts receivables for you 

    Managing accounts receivables within a company can take up a great deal of time and effort. This is especially true when customers fail to comply with payment demands. That is why an efficient arrears management is very useful.

    By outsourcing your accounts receivable management to EOS KSI Poland, you can release time for your core business while being sure that your accounts receivables are being managed more efficiently.

    We offer a comprehensive credit management system to administer your arrears. We issue invoices, send out reminders and monitor your payments.

    Arrears management from EOS KSI Poland: We’ll take on the commercial accounting tasks and secure your liquidity. We’ll process your invoices reliably, quickly, and with the utmost care. We’ll monitor the receipt of payments and send reminders to your customers when they fail to pay.

    Monitoring. With our arrears management we keep an eye on what is due to you

    We monitor what is due to you and make sure that your non-paying customers are informed and defaults are being resolved. We can support you by taking over your arrears management:

    • Monitoring due dates and initiating the first contact with your customers after the first due date
    • Sending reminders by post on your behalf, without revealing EOS’s involvement
    • Sending reminders by post with EOS KSI as the sender
    • Servicing incoming calls
    • Making calls concerning outstanding payments
    • Sending reminders and messages by SMS and e-mail

    Accounts receivable management from EOS KSI Poland – your benefits:

    • You maintain financial flexibility
    • You can focus on your core business
    • You can make more efficient use of your human resources

    If you want to find out more about Arrears management from EOS KSI Poland, please contact us.

  • Get your cash – leave the risk to us.

    We buy your receivables and take on the risk of non-payment for a fair price. We take a random sample and let our tried-and-tested algorithms do the maths to predict the value of your debt portfolio. Your benefits: instant cash flow, a positive impact on your balance sheet – and freedom from the burden of unpaid debts. And, of course, peace of mind that we’ll treat today’s debtors as tomorrow’s customers.

  • Let us save you time and money.

    Let EOS KSI Poland take care of your unpaid bills

    Whenever your customers do not pay on time, your liquidity is at risk: Shortfalls in payment are one of the most frequent causes of insolvencies and jeopardize a company’s cash flow, regardless of how large or small the company in question is. That is why professional debt collection is a highly significant activity.

    That is why professional debt collection is important. EOS KSI Poland was founded in 1998 and has many years of experience and sector-specific expertise in the area of debt collection in Poland. In addition to our local expertise we profit from the international network of the EOS Group.

    With our help, your incoming payments will be safeguarded enabling you to concentrate on your core business. Our experts are there to help you recover your receivables from private (B2C) as well as commercial (B2B) customers.

    Trust our experts in debt collection

    We contact your defaulting customers by means of written reminders, by phone and direct person-to-person conversations. In addition to those traditional methods, we also use modern receivables management tools such as reminders by e-mail.

    Our main aim is to secure the payment of your outstanding receivables. At the same time we are very aware of the importance of preserving existing business relationships. Our objective is therefore to recover the receivable without compromising the relationship between you and your customer.

    We are experts in debt collection and treat your customers kindly and individually, always keeping their individual situations in mind. We carefully try to re-establish contact with your customers to talk to them and find mutual solutions that benefit your cash flow while taking into account what your customer is able to pay.

    Debt collection from EOS KSI Poland – your benefits:

    • You secure competitive advantages: thanks to EOS KSI’s receivables management you improve your cash flow and reach your goals faster.
    • You gain flexibility: put your trust in the experience of our qualified employees and have more time to spend on your core competencies.
    • You benefit from our professionalism: EOS receivables management uses highly effective, specialized software solutions.

    Contact us if you are looking for an expert to take over your debt collection.

  • Let us do the work for you.

    EOS KSI Poland is an expert in intervention, recovery and realization

    We know your dilemma when a lease or loan payment is not made: even though you feel the need to increase pressure on your defaulting customer, you want to safeguard your customer relationship. While wanting your customer to pay soon, you want to approach him or her in a suitable manner. Whenever written reminders or phone calls do not work, the recovery and realizationservices like the realisation of movable goods can function as a last, but effective, resort. EOS KSI Poland can take care of this task for you.

    Our specially trained field service contacts your defaulting customers personally. They visit the customer to sound out ways of getting payments flowing again so that the contract does not need to be terminated. The main priority of our work is always to maintain your business relationship while carrying out recovery services for you.

    Recovery service from EOS – the full package for your convenience

    We provide intervention services to catch up with defaults in payment and to recover and realize movable goods either individually or combined with other debt collection services. You can benefit from our full range of services and the expertise of the nationally and internationally active EOS Group.

    Your benefits:

    • quick reaction to payment problems;
    • immediate reflux of funds;
    • avoidance of agreement terminations;
    • fast recovery and realization of your security collateral;
    • further debt collection services on request.

    If you wish to find out more about recovery services and our expertise, please feel free to contact us.

  • Roadmap to the highest ROI.

    Every tangible property being a collateral for a credit or a loan or being the subject of lease requires professional estimation of its market value. Generally, we appraise tangible property in three cases:

    •  Before signing a credit (lease) agreement,
    •  During the term of the agreement,
    •  When the claims under the collateral need to be met.

    We partner with property appraisers who have a licence of a court appointed expert and extensive experience in appraisal of intangible and tangible property not traded on a large scale. A proper selection of appraisers allows us to exactly evaluate the assets that are rarely present on the market and are difficult to appraise, especially in the case of a distressed sale.

    Verification of the condition and value of the subject of lease/credit collateral

    The product includes value verification of a given tangible property before concluding a lease/credit agreement with a potential customer. Activities, depending on the needs, can be supported by an appraisal conducted by a certified property appraiser and a reference to actual market values of a given item.

    Conducting field inspection before collecting the tangible property constituting the collateral

    Usually, the owner of the tangible property constituting the collateral does not know where it is, what is its condition nor what technical means are necessary to collect it. Field inspection conducted by our specialists gives us the full image of the tangible property’s condition and verifies the necessary technical and financial means necessary to conduct its acceptance. Before making any physical actions aimed at securing the tangible property, we advise to conduct a field inspection to verify the following factors:

    • Assessment of tangible property’s condition,

    • Establishing whether given assets are properly secured,

    • Determining the cost estimate of disassembly, transport and storage of the tangible property,

    • Finding the best place to store the asset from the economic point of view,

    • Conducting initial market analysis to establish the possibilities of selling the asset, the required time and the geographical region where the buyer can be found.

    Disassembly, transport

    Every collateral item must be collected by the lessor if the credit or lease instalments are not paid. Comprehensive services of disassembly and transport of tangible property. In the event of special or oversize tangible property the service of disassembly and transport is set individually for every case. The cost and duration of the service depends on many factors but the most important ones are:

    • Type of the asset,

    • Size of the asset,

    • Access to the asset (e.g. no hard-paved road),

    • Manner of “extracting” the asset from its current premises,

    • Necessity (or lack thereof) to restore the premises to its original condition (under a supervision of a person with proper licences),

    • Distance between the current and future place of storage,

    • Selection of proper means of transport (large, special, railed or wheeled vehicle, etc.).

    Storage

    Taking into account the fact that every tangible property requires proper storage in a warehouse or at a parking area, we have resources that enable us to properly and securely store tangible property. The warehouses are under constant, 24-hour surveillance. They are heated during winter and are equipped with unloading gear. The warehouses are connected to installation providing power voltage to devices. Their size allows to present the tangible property to potential customers. If there is no economic justification for the transport to the above locations, the company seeks a warehouse or area in close vicinity to a given asset.

    Sale

    The last stage of the tangible property management process is the sale or disposal of the asset. The preparation of the field inspection report includes initial market research of the buyer in the context of possible sale price, the time needed to find the buyer and the geographical region (we also seek buyers on foreign markets). After establishing that the possible sale price is lower than the one in the appraisal held by Ordering Party, we advise to use the services of appraisals who partner with us.

    The sale includes the following elements:

    • Active seeking of the buyer,

    • Presenting the asset to a potential buyer,

    • Assisting in arranging the transport and loading of the asset for the buyer,

    • Signing necessary documents (acceptance protocols, bills of lading, etc.).
       

    The disposal or breaking process of a given asset is fully organized and supervised by EOS KSI Polska Sp. z o.o. The process includes:

    • Arranging and supervising disassembly,

    • Supervising the asset sent to the scrap yard or to be disposed of,

    • Obtaining all necessary documents corroborating proper process handling,

    • Supervising particular stages of works by a person holding proper licences.

  • Audits of dealer stocks

    The vast majority of dealers finances their fleet purchases via credits. The purpose of the audit is to control the credited stock and protect of the Lender against potential mistakes and misuse.
    The audit service for dealer stocks involves direct verification of the real number of vehicles/machines/devices in stock at the dealer’s, assessment of their condition, actual mileage and documentation via visual inspection. The scope of the audit also includes obtaining information on tangible property that is outside the dealer stock, together with documentation confirming its presence at a different location. The audit results are presented in the form of individually designed reports and photographic documentation.

    Control of dealer stocks

    Every brand puts special attention so that their branch offices and dealers observe generally accepted, internal standards. We assist in meeting the set standards and we point out the areas where the standards are not observed or those requiring improvement.
    The prescribed audit actions allow us to conduct real, periodical control of the entire structure of field branch offices.

    The following elements are subject to examination and control:

    • Premises around the building (cleanliness, aesthetics, greenery, drive-way, car parks, flags, trademark/logo display, etc.),

    • Display of vehicles/machines/devices outside and inside the building,

    • External part of the building (cleanliness, windows, façade, alarm system, lighting, etc.),

    • Interiors (floor, walls, ceilings, heating, toilets, counters, display and presentation of information materials, electrical and fire protection system),

    • Office (completeness of the required documentation, control of timeliness of processed orders, OSH control registers, etc.),

    • Workshop and warehouse (inventory/documentation control; first aid kits; fire extinguishers; optics of vehicles, machines and devices before and after repair / timeliness of repairs; health and safety, etc.),

    • Quantity and quality stock-taking of inventory, vehicles, machines, devices, dealer/branch office equipment, etc.


    The audit results are presented in the form of a report that describes and assesses every audited element.

  • Know your assets.

    Every enterprise has assets or other elements that require counting and cataloguing. We conduct stock-taking in enterprises for the needs of financial institutions, as well as the interested companies.

    The stock-taking is conducted for:

    • Fixed assets,

    • Cash,
    • Assets,

    • Inventories,

    • Other resources indicated by the Ordering Party.

    We have knowledge and technical means allowing us to conduct stock-taking at any time using any method available.

  • We work across borders, without borders.

    Local contacts, international expertise

    At EOS we believe that international goals require international services und solutions. But we also know that language barriers, cultural differences, different laws and geographical distance can become a challenge.

    With EOS, handing over a receivable is easy – regardless of whether it is a foreign or a local one. In the field of international debt collection, we offer two flexible solutions to our international clients: Cross-border and Shared Service Solution!

    Cross-border Solution: think global, act local

    For the field of cross-border debt collection, we offer the perfect solution: It doesn’t matter how many languages your defaulting customers speak; with our help, you will only need one. We guarantee you a local contact person in your home country for the whole area of international receivables management.

    We ensure that the contact with your defaulting customers has the right mixture of tact, integrity and professionalism. We aim to reach a solution with which all parties are satisfied. We are familiar with the different legal systems and we speak your customers’ languages. The debt collection process is handled locally. In this way we guarantee legal expertise while respecting local mentalities, and you benefit directly from our extensive experience and local know-how.

    Shared Service Solution: group-wide process harmonisation, regional focus

    We provide your Shared Service Centre with the infrastructure and technology to optimise your global debt collection strategy, always depending on your international structures and specific needs. By managing your international debt collection with the Shared Service Solution of EOS Global Collection, you will improve your efficiency and increase the level of standardisation and transparency within your group-wide collection process. The EOS Global Collection network offers you local experts in over 180 countries. Your local branches can discuss about their collection cases with a local contact person who is in charge for your files on a regional level.  Together with a group-wide framework contract and a central reporting system, EOS provides you with the perfect solution for your Shared Service Centre.

    Client-oriented business solution

    • Global framework contract with your SSC
    • Regional contact persons for operational discussions
    • A fully automated communication and case submission flow
    • Reporting on group level

    Innovative technology for international debt collection

    Our IT platform optimizes global workflows by regulating automated case transfers between partners around the world. The platform ensures direct, transparent and real-time communication. EOS Global Collection

    International debt collection with EOS – quality you can rely on

    Truly international services

    • Debt collection services in more than 180 countries, including 28 EOS offices plus a strong, carefully selected network of partners around the world
    • A local contact for the entire area of international receivables management – EOS customers do not need to deal with more than one language
    • Expert teams with regional know-how for B2B and B2C
    • All services covered: pre-legal, legal and post-legal debt collection

    Results to inspire

    • Over 75% of all payments worldwide are received within the first 90 days, more than 40% within the first 30 days
    • 95% of all paid files are resolved without legal action
    • Daily payout of collections is possible
    • Success-orientated commission model: no success – no fee!

    Transparency is the basis of cooperation with EOS

    • Real-time access to file status can be granted through online platform
    • Selected KPIs available online
    • Common minimum collection requirements are defined in our SLAs: Internal skip tracing and first letter with legitimation sent out within 24 hours, first phone call within 10 working days
    • Highly flexible and efficient quality management system with automated escalation steps
    • Regular quality benchmarks in order to guarantee the highest possible level of quality – including quick partner changes, if necessary

    High security and ethical standards

    • Generally accepted EOS code of conduct with binding compliance rules for group members
    • Group-wide liability insurance for pecuniary damages as an extension for local company insurances
    • Contractual obligations to comply with any and all applicable laws in force including but not limited to the respective regulations concerning data protection and money laundering
    • Regarding money laundering, every EOS partner aims to comply at least with the standards set by the Financial Action Task Force (FATF), regardless of whether the partner’s country of establishment is a member state of the FATF
    • Internal auditing at individual EOS group companies as well as audit possibilities at external partner companies

     

     

    Innovative technology for international debt collection

     

    Our IT platform optimizes global workflows by regulating automated case transfers between partners around the world. The platform ensures direct, transparent and real-time communication. EOS Global Collection

    References

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