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Pracownik EOS wyjaśnia usługi zarządzania należnościami klientowi

Managing receivables

We create win-win solutions 

We manage receivables on behalf of TFI and the Funds, combining transactional expertise, direct access to financing and advanced analytics. We purchase secured and unsecured receivables portfolios from banks and financial institutions.

Biznesmen trzymający długopis EOS podczas rozmowy o międzynarodowym zarządzaniu należnościami, kubek EOS na stole - Ekspertyza w windykacji, NPL i rozwiązaniach cyfrowych

Receivables management 

Our Investment Funds

Działamy przez wyspecjalizowane fundusze inwestycyjne, zapewniając transparentne i zgodne z regulacjami nabywanie oraz zarządzanie wierzytelnościami. Nasze kluczowe podmioty inwestycyjne to: 

- EOS Investment Poland GmbH
- EOS 1 Niestandaryzowany Fundusz Inwestycyjny Zamknięty Wierzytelności
- VPF 1 Niestandaryzowany Fundusz Inwestycyjny Zamknięty Wierzytelności
- Aneto Niestandaryzowany Fundusz Inwestycyjny Zamknięty Wierzytelności
- CRF 1 Niestandaryzowany Fundusz Inwestycyjny Zamknięty Wierzytelności

How do we operate?

icon red debt collection euro

We acquire NPL portfolios – retail, SME and corporate, both secured (e.g. by mortgages) and unsecured.

icon red building

We purchase individual mortgage-backed exposures from every sector – retail, SME and corporate.

icon red collaboration

We manage the full transaction cycle – sourcing, advanced valuation, due diligence, structuring and closing – providing support at every stage.  

icon red money

Our goal is to free debtors from their debts as quickly as possible and return immediate money to our business partners.

Why choose EOS Poland  

Stable financial backing   

As part of the international EOS Group, we have a stable capital base, which guarantees flexibility and speed in executing transactions. We also draw on global know-how and best market practices. 

 

 

 

Cooperation with the IFC  

We work with the International Finance Corporation, which strengthens standards of governance, accountability and transparency in our investment processes.  

 

 

Advanced valuation models 

We use sophisticated analytical models for both secured and unsecured portfolios. This enables us to accurately assess the risk and potential of investments, offering sellers the most favourable terms

 

 

Extensive experience  

We have over 20 years of experience in acquiring debt portfolios and managing investments. We have completed numerous portfolio transactions with the largest and most important banks and financial institutions in Poland, and have developed proven transactional and management processes.  

Cooperation with sellers  

Compliance and reputation – we are a member of the Association of Financial Companies (ZPF) and adhere to the Code of Good Practices. We ensure that our activities are fully compliant with regulations and the highest ethical standards, building long-term trust. 

Find out more about our ethical standards

What we do not do 

  • We do not purchase individual cases or individual debts, with the exception of cases secured by a mortgage.  
  • We focus on portfolio transactions with a strong preference for bank receivables. 

Contact us 

Would you like to discuss selling a portfolio or investment cooperation? Please get in touch! Our team of experts is ready to discuss your needs, answer your questions and present personalised solutions. 

Get in touch

Business Partners Purchase of receivables


Agnieszka Krawczyk

Menedżer w Dziale Transakcji



Phone: 601 551 591

[email protected]


Business Partners Purchase of receivables


Wojciech Jaśkiewicz

Menedżer w Dziale Transakcji



Phone: 605 420 870

[email protected]


International debt recovery

We work across borders, without borders.

Ilustracja przedstawia kulę ziemską, na której punkty oznaczone są pinezkami.

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. 

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.