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To EOS-medarbejdere kigger på en bærbar computer sammen, mens de er opslugt af en samtale.

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, administrerende direktør for EOS Group, står foran en blå baggrund, klædt i en mørk jakke. Han ser direkte ind i kameraet.

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.

CEO'en i en grå blazer og CFO'en for EOS Gruppen i en blå blazer går gennem et moderne kontor. Rummet har store vinduer, en buet væg og stilfulde hængende lamper.

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.

 

Billede af en ung kvinde, der ler åbent og holder en tablet-computer. Hun sidder i en læderlænestol foran en mørk baggrund.

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
En EOS-medarbejder bærer et headset og ses smile, mens han samtaler med en digital modpart.

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
En skægget mand med langt hår bundet i en knold sidder ved en computer, fuldt opslugt af sit arbejde.

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
To unge EOS-medarbejdere undersøger en computerskærm sammen og diskuterer, hvad de ser.
Tre mærker for ESG-priser: Til venstre et sekskantet mærke mærket "Sustainalytics Industry ESG Top Rated 2025" af Morningstar; ved siden af et lignende mærke for "Sustainalytics Regional ESG Top Rated 2025" af Morningstar. Til højre et rundt bronzemærke fra EcoVadis med "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
Explore our four fields of action Explore our four fields of action
Virksomhedsansvar – EOS's fire indsatsområder Illustration af de fire indsatsområder i EOS's strategi for virksomhedens ansvar, ledsaget af små visuelle elementer. Responsible Collection, Social Engagement, Environmental Protection, og Financial Sustainability. EOS-slogan vises ovenfor: Changing for the better.

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

Rimelig inkasso: En midaldrende mandlig debitor i en olivenfarvet jakke kigger bekymret ud af vinduet.

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
Portrait of a sitting mature businessman wearing a blue suit holding a white coffe cup

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
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