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Dvoje zaposlenih u EOS-u zajedno gledaju u laptop, fokusirani na razgovor.

Annual and Sustainability Report 2024/25

Finding success together!

“I sincerely thank all our employees. Without their dedication, this result would not have been possible. Our success was based on strong investments in NPL portfolios and outstanding operational performance in the processing of receivables.”

Marwin Ramcke
Chief Executive Officer of the EOS Group

 

Marwin Ramcke, CEO EOS Grupe, stoji ispred plave pozadine, obučen u tamno odelo. Njegov pogled je usmeren direktno ka kameru.

Strategies and perspectives of the Board of Directors

Interview with the CEO and CFO

The EOS Group’s successful financial year 2024/25: What drove these achievements? What role did responsible action play? And where do the opportunities of the future lie? Marwin Ramcke (CEO) and Dr. Eva Griewel (CFO) provide answers to these questions.

Generalni direktor u sivom bleyzeru i finansijska direktorka grupe EOS u plavom bleyzeru prolaze kroz moderan kancelarijski prostor. Prostor ima velika okna, zakrivljeni zid i elegantne viseće lampe.

Insights into the fiscal year by region

Strong market presence in Eastern Europe, significant investments in Western Europe, and new organizational structures in Central Europe: the members of the Board of Directors of the three regions Carsten Tidow, Sebastian Pollmer, and Dr. Stephan Ohlmeyer take stock of the current situation.

Strong performance: The EOS 2024/25 financial year in figures

Revenue

5.6 percent more revenue

0

in EUR million

EBITDA

Slight increase over the previous year’s result

0

in EUR million

Investments

Over 40 percent more investments

in EUR million

Total
826.6
Western Europe
334.9
Eastern Europe
312
Central Europe
179.7

All figures in detail

These and all other key figures are available in the overview section of our Annual and Sustainability Report 2024/25.

Direct to the business performance in the PDF on page 17
The "EOS Annual and Sustainability Report 2024/25" of the EOS Group outlines the company's financial performance and sustainability initiatives, including a revenue of 1.1 billion euros and an EBITDA of 460.8 million euros. The report emphasizes EOS's commitment to ethical debt collection practices, technological innovations, and social responsibility, including promoting financial education and supporting diversity and inclusion. Direct to the business performance in the PDF on page 17

We shape the financial world sustainably

Our objective is to improve the financial situation of our customers, as well as defaulting consumers.

 

Fotografija mlade žene koja se iskreno smeje dok drži tablet u rukama. Sedi u kožnoj fotelji, a iza nje se nalazi tamna pozadina.

Strengthening liquidity: Our contribution to the business cycle

With our claim Changing finances for the better, we are actively shaping the world of finance. We enhance the liquidity of companies and banks through responsible acquisition and professional management of non-performing receivables. By providing transparent processes, respectful communication, and anonymous payment options, we support defaulting consumers on their path to becoming debt-free.

In the past financial year, the EOS Group contributed more than EUR 2.2 billion in liquidity to the business cycle, making a tangible impact on the stability and future viability of the European financial landscape.

Learn more about our expertise in reducing non-performing receivables in the PDF on page 20
The "EOS Annual and Sustainability Report 2024/25" of the EOS Group outlines the company's financial performance and sustainability initiatives, including a revenue of 1.1 billion euros and an EBITDA of 460.8 million euros. The report emphasizes EOS's commitment to ethical debt collection practices, technological innovations, and social responsibility, including promoting financial education and supporting diversity and inclusion. Learn more about our expertise in reducing non-performing receivables in the PDF on page 20

Fairness as a guiding principle

What we mean by ethical receivables management and how we develop solutions for sustainable debt relief.

Learn more about responsible receivables management in the PDF on page 31
The "EOS Annual and Sustainability Report 2024/25" of the EOS Group outlines the company's financial performance and sustainability initiatives, including a revenue of 1.1 billion euros and an EBITDA of 460.8 million euros. The report emphasizes EOS's commitment to ethical debt collection practices, technological innovations, and social responsibility, including promoting financial education and supporting diversity and inclusion. Learn more about responsible receivables management in the PDF on page 31
Zaposleni u EOS-u nosi slušalice i vidi se kako se smeši dok razgovara sa digitalnim sagovornikom.

Intelligent technologies that provide assistance

How we leverage AI and RPA to enhance our services for defaulting consumers and support our employees.

Learn more about digital assistants in the PDF on page 32
The "EOS Annual and Sustainability Report 2024/25" of the EOS Group outlines the company's financial performance and sustainability initiatives, including a revenue of 1.1 billion euros and an EBITDA of 460.8 million euros. The report emphasizes EOS's commitment to ethical debt collection practices, technological innovations, and social responsibility, including promoting financial education and supporting diversity and inclusion. Learn more about digital assistants in the PDF on page 32
Bradat muškarac sa dugom kosom vezanom u punđu sedi za računarom, potpuno zadubljen u svoj rad.

Financial literacy for children and adolescents

Why financial literacy prevents private over-indebtedness and how we foster it.

Learn more about our educational initiatives in the PDF on page 34
The "EOS Annual and Sustainability Report 2024/25" of the EOS Group outlines the company's financial performance and sustainability initiatives, including a revenue of 1.1 billion euros and an EBITDA of 460.8 million euros. The report emphasizes EOS's commitment to ethical debt collection practices, technological innovations, and social responsibility, including promoting financial education and supporting diversity and inclusion. Learn more about our educational initiatives in the PDF on page 34
Dva mlada zaposlenika EOS-a zajedno pregledaju ekran računara i diskutiraju o onome što vide.
Tri značke za ESG nagrade: Sa leve strane, heksagonalna značka sa oznakom „Sustainalytics Industry ESG Top Rated 2025“ od Morningstar; pored nje, slična značka za „Sustainalytics Regional ESG Top Rated 2025“ takođe od Morningstar.<br/>Sa desne strane, okrugla bronzana značka EcoVadis sa natpisom „Top 35% Sustainability Rating, Dec 2024.

Excellent: High rankings in ESG ratings

We are continuously improving our environmental, social, and governance (ESG) practices. In recognition of our ongoing commitment, the renowned rating agency Morningstar Sustainalytics has once again awarded us the “Top Rated Industry” and “Top Rated Regional” distinctions for 2025, placing us among the top 2 percent of companies in the “Diversified Financials” category for the second year in a row. At the end of 2024, the EOS Group was also awarded the EcoVadis Bronze Medal for the first time. EOS ranks among the top 12 percent of the most sustainable companies in its industry.

Learn more about our ESG ratings in our PDF on page 13
The "EOS Annual and Sustainability Report 2024/25" of the EOS Group outlines the company's financial performance and sustainability initiatives, including a revenue of 1.1 billion euros and an EBITDA of 460.8 million euros. The report emphasizes EOS's commitment to ethical debt collection practices, technological innovations, and social responsibility, including promoting financial education and supporting diversity and inclusion. Learn more about our ESG ratings in our PDF on page 13

Taking responsibility

We aim to change things for the better. In our corporate responsibility strategy, we have identified four key fields of action where we can make the most significant positive impact on consumers, customers, employees, and society.

Explore our four fields of action in our PDF on page 9
The "EOS Annual and Sustainability Report 2024/25" of the EOS Group outlines the company's financial performance and sustainability initiatives, including a revenue of 1.1 billion euros and an EBITDA of 460.8 million euros. The report emphasizes EOS's commitment to ethical debt collection practices, technological innovations, and social responsibility, including promoting financial education and supporting diversity and inclusion. Explore our four fields of action in our PDF on page 9
Korporativna odgovornost – Četiri oblasti delovanja EOS-a Ilustracija četiri ključne oblasti delovanja u strategiji korporativne odgovornosti EOS-a, uz prateće male vizuale.<br/>Responsible Collection, Social Engagement, Environmental Protection, i Financial Sustainability. EOS slogan se pojavljuje iznad: Changing for the better.

Read more about our solutions for banks and find out how we continuously optimize our services.

AI u naplati dugova: Na ovoj slici, dva stručnjaka zajednički analiziraju programski kod za automatizovane procese na velikom ekranu. Scena ilustruje praktičnu primenu veštačke inteligencije (AI) i robotizovane automatizacije procesa (RPA) u upravljanju dugovima – primer digitalne transformacije u upravljanju potraživanjima.

AI and the future of debt collection

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.
Learn more
Portret zrelog poslovnog čoveka koji sedi u plavom odelu i drži belu šoljicu kafe

Receivables as a burden? EOS creates space for banks.

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.
Learn more
Poštena naplata duga: sredovečni muški dužnik u sakou maslinaste boje zabrinuto gleda kroz prozor.

Fair debt collection: The person behind the debt.

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.
Learn more
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