EOS Magazine

Prikaz žene ispred računara okrenute prema robotu

RPA: Improving quality with software robots at EOS

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“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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Cybersecurity expert Janusch Skubatz, Chief Information Security Officer of the EOS Group, with brown hair and white shirt

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

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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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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.

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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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Grupa fotografija prikazuje rukovodstvo grupacije EOS (sleva nadesno) Andreas Krop (Nemačka), Justus Heking-Feltman (finansije), Marvin Ramke (predsedavajući rukovodstva), Karsten Tidov (region Istočne Evrope) i dr Andreas Vicig (region Zapadne Evrope).

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

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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.

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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.

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Supporting and encouraging people ensures growth: EOS has created numerous programs that enable employees to grow both personally and professionally.
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Snimak glave pokazuje Kristijana Musata, izvršnog direktora EOS International BVG i „mozga” projekta Kollecto+.

Debt collection software: More efficiency thanks to standardized system.

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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.

How EOS makes debt collection responsible and fair.

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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.

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

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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.

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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.

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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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An image illustrates the financial insecurity of women amid the crisis: A woman with a calculator looks at a bill and holds her head worriedly.

Study: Is money still ‘men’s business’?

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Who saves more, who makes decisions more confidently, and who has greater financial reserves? An EOS study reveals how differently men and women handle financial issues – and suggests possible reasons.
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Debt in Europe due to inflation: consumers having to tighten purse strings.

Study: One in five people is taking on debt as a result of inflation

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How have rising prices affected the financial situation of consumers? An EOS study reveals that many people have had to take on debt to compensate for inflation.
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Financial education for young people: Many young consumers feel financially insecure.

Survey reveals: Young people want more financial education.

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Do you think young people have no desire to deal with their own finances? As a recent survey shows, this is certainly not the case. The level of interest is great – as are their fears for the future.
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EOS Survey European Payment Practices: The drawing of a man surrounded by question marks and a thunderbolt illustrates that in the face of deteriorating payment practices, companies need to find new approaches to receivables management.

EOS survey: Poor payment practices are putting European companies at risk

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Many European companies are concerned about their survival, as a growing number of consumers and business customers are paying outstanding invoices late or not at all.
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EOS survey European Payment Practices: An illustration with a computer monitor on which two tasks are marked with an ‘x’ and have not yet been completed. Symbolizes lack of digitalization.

Survey: Firms missing out on pandemic-related digital boost in receivables management

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Survey reveals that companies have failed to digitalize their receivables management during the pandemic. What companies should do now to counter poor payment practices and repayment rates.
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EOS in the UN Global Compact: At EOS, Alisha Kumar and Sibylle Weingart are responsible for issues of corporate responsibility.

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

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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.

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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”

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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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To je novi brend kompanije EOS: Marwin Ramcke predstavlja sebe i novi logo kompanije EOS.

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

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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.”

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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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The largest investment in EOS Matrix business history

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Despite the turbulence caused by the Covid-19 global pandemic, EOS Matrix continues with a successful business practice, which was marked with the most significant individual investment accomplished in the new business 2021/22 year.
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Poslovni čovjek skreće pogled: Potrošači nemaju mnogo povjerenja u digitalnu tehnologiju<br/>

EOS survey reveals that consumers have no digital trust

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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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Korisnik pametnog telefona u gradu: Podaci su postali ključna ekonomska prednost.

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

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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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Financial education for children: A schoolgirl looks at her budget.

Social responsibility: EOS puts financial education on the curriculum.

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Through the finlit foundation, EOS is committed to improving financial literacy to help counter excessive personal debt. The foundation’s first initiative is focusing on children.
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Robotic process automation: Colleagues in a meeting.

The six biggest misconceptions about debt collection

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Debt collection companies use disreputable practices and are only worth engaging if you are a big company anyway. There are a lot of such misconceptions about debt collection. We’ve looked at the most persistent ones.
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Annual Report 2019/20: Klaus Engberding, CEO of the EOS Group, in an interview

Klaus Engberding interview: “Our strategy is working.”

The KPIs from the 2019/20 Annual Report show that EOS is performing very strongly. But what’s behind this success? In this interview, EOS CEO Klaus Engberding gives us a look behind the scenes.
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Annual Report 2019/20: Marwin Ramcke, Member of the EOS Group’s Board of Directors with responsibilty for Eastern Europe

EOS 2019/20 financial year: Record result in Eastern Europe

With revenue up by over 30 percent, Eastern Europe is celebrating record gains. In several countries, EOS is gaining ground with substantial investments in secured and unsecured receivables.
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Incorrect invoicing is especially for freelance and small business fateful.

Invoicing: The 8 most common mistakes – and how to do it properly.

Invoice written, money received – the ideal scenario for businesses. But if the money doesn’t appear it may also have something to do with your invoicing. These eight reasons at least are avoidable.
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A project team discusses target groups around the whiteboard.

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

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.

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?

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.

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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tourist, ridge, descent, ice

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

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

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

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.

New regulations could attract more high quality investors und lead to rising trade volumes.
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What are we waiting for?

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Law on the protection of consumers of financial services is contradictory and it's making huge damage to the financial system of Republic of Serbia. Changes are needed.
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Saopštenja za štampu

EOS Matrix and Chinese company "Feitiansuye", signed an agreement on selling of company Begej-Plast from Perlez. The contract was signed by the director of the Chinese company Haiou Liu and the Deputy Director General of EOS Matrix Jelena Jovic, in the presence of Mayor of Zrenjanin Čedomir Janjić. The Chinese investor has committed to invest half a million euros of which EUR 180,000 will be invested in the factory, and about 350,000 euros in to machines. This investment will provide 100 new jobs in the region.

"Today's signing represents an important step for the development of local government and as a German investor, we are glad that we can be part of this investment. This is the first cooperation we have with the city of Zrenjanin and I hope that we will have similar successful projects in the future "- concludes Jelena Jovic
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Hamburg, 10 July 2018 – Outstanding performance confirmed. For the 14th time in succession, EOS Holding has once again been given an ‘A’ rating by credit rating agency Euler Hermes Rating, providing renewed confirmation that the debt collection specialist enjoys a good credit standing. The auditors emphasized the company's market leadership in Germany and its strong market position in Western and Eastern Europe. The rating was also the result of the company's longstanding experience in processing non-performing receivables and in receivables purchasing.

“In the last financial year we have invested EUR 0.5 billion in receivables,” says Justus Hecking-Veltman, Member of the EOS Group’s Board of Directors and CFO. This shows how important this business segment continues to be for the EOS Group. “The acquisition of secured debt portfolios in particular is an attractive growth market for us,” explains Hecking-Veltman. This is also evident from the auditors' report, because this year Euler Hermes Rating specifically praised the company's ongoing expansion of expertise in real estate evaluation, development and realization. “We are now active in this business segment in eleven European countries and plan to expand into others.”

As a result, the auditors attested that EOS represents a low financial risk due to its very stable cash flow situation and continually high and consistent earnings level.

The EOS Group 
The EOS Group is one of the leading international providers of customized financial services. Its main focus is on receivables management, in particular the three segments fiduciary collection, receivables purchasing and business process outsourcing. With its workforce of around 7,000 and more than 55 subsidiaries, EOS offers some 20,000 customers in 26 countries around the world financial security through customized services in the B2C and B2B segments. Working in an international network of partner companies, the EOS Group has resources in more than 180 countries. The company's key target sectors are banking, insurance, utilities, telecommunications, the public sector, real estate and e-commerce.
For more information please go to: www.eos-solutions.com.

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Hamburg, 29.05.2018 - The EOS Group is planning to sell Hamburg-based Health AG and Zahnärztekasse AG, which is located in Switzerland. The companies, both of which have a strong position in the market, offer potential buyers the ideal conditions for establishing a pan-European platform in dental factoring. In addition, the innovative practice management software "Hēa" will enable the development of new markets.

'Our two companies are operating in future markets – healthcare and technology', says Klaus Engberding, CEO of EOS. 'To tap into additional business segments and new markets in the health sector we are now seeking the most suitable future owner to actively support the companies during their next growth phases.' With a factoring volume of around EUR 1 billion, Health AG and Zahnärztekasse AG, together, generate sales in the mid double-digit million Euro range.

Sale by auction
Health AG and Zahnärztekasse AG will be offered for sale together. The sale will be managed by means of a structured auction procedure and potential investors will be approached as of June 2018. Interested parties can submit a non-binding offer by the beginning of September. The completion of the transaction is planned for February 2019. In the past, strategic buyers and financial investors have shown great interest in Health AG and Zahnärztekasse AG. EOS has engaged investment bank Lazard (Frankfurt branch) to ensure an efficient sale process.

Health AG
Health AG, consisting of EOS Health Honorarmanagement AG and EOS Health IT-Concept GmbH, is a provider of financial and IT services for the health market. With more than 2000 customers it is one of the market leaders in German dental factoring. Moreover, thanks to its recently introduced practice management software Hēa, the company is now a frontrunner in the e-health segment: Hēa digitises, networks and simplifies all processes for the web-based management of dental practices with a focus on billing. Since its establishment in 2005, the company has evolved from a factoring start-up to an independent company providing financial and technology services.

Zahnärztekasse AG
Zahnärztekasse AG is a financial services provider in the health sector and with 1000 customers has become the market leader in the Swiss dental factoring segment. Its customised and modular based services, combined with an efficient IT infrastructure, relieves medical practice teams of administrative tasks and secures the liquidity of its clients. Since its foundation in 1963 the company has become established as a reliable partner to Swiss dentists.

Contact for press and media:
fischerAppelt, relations GmbH
Email: eos@fischerappelt.de, Tel.: +49 40 899 699 347
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This was our financial year 2022/23.

Fiscal 2022/23 was characterized by uncertainty. Learn here how the EOS Group nevertheless managed to achieve a positive result. In our Annual and Sustainability Report, you’ll find all our KPIs and business highlights and learn what the EOS Group is doing to meet its ESG (environmental, social and governance) responsibilities.
2022/2023

EOS Studies - This is knowledge.

Knowing what moves the economy and society: That is our claim for the market and consumer studies of EOS. Our studies, which we produce together with renowned market research institutes, offer exciting facts about customer payment behavior, payment methods, digitalization and the benefits of data. 
To the study overview