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Portret sedićeg zrelog poslovnog čoveka u plavom odelu koji drži belu šoljicu kafe.
Secured receivables Unsecured receivables

Receivables as a burden? EOS creates space for banks.
Apr 25, 2025
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.
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Mlada žena na svom mobitelu pored člana EOS tima s slušalicama i dvije žene koje razgovaraju.
Innovation & Trends Corporate Responsibility

Plain language: Improving communication with consumers
Feb 25, 2025
3 min.
Plain language helps companies and consumers alike. In this interview, an expert in the field explains why that is so and why it is especially important in the debt collection segment.
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Poštena naplata duga: Sredovječni dužnik u maslinastom sakou zabrinuto gleda kroz prozor.
Receivables Management Corporate Responsibility

Fair debt collection: The person behind the debt.
Feb 15, 2025
4 min.
The central question in responsible debt collection is: How do we handle debtors? As EOS demonstrates, there is more than one good answer to this question.
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Management Team of EOS Croatia at stage

Gala event in Zagreb in occasion of 50th anniversary of the EOS Group
Nov 25, 2024
2 min.
50 Years of Expertise – half century of expertise and stability
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Sastanak zaposlenika EOS Digital Cluba za promicanje digitalnih vještina i razmjene znanja, uz prezentacije i rasprave.
Innovation & Trends Digitalization

Investing in Digital Knowledge Supports Digital Transformation
Oct 31, 2024
4 min.
EOS employees in Croatia educate and exchange knowledge and experience through the internal initiative EOS Digital Club
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Panel diskusija s nekoliko govornika koji sjede na šarenoj sofi, a u pozadini je prikazana prezentacija. Fokus je na ženi koja govori, dok je publika uključena u raspravu.
Corporate Responsibility

EOS supported Money Tik Talks Conference for Gen Z
Oct 27, 2024
2 min.
Barbara Cerinski highlights the importance of financial literacy for Gen Z, offering insights and strategies for managing money and securing a successful future.
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NPL Directive: EOS is working intensively on its implementation
Receivables Management Debt Purchase

EOS successfully implements provisions of the NPL Directive
Oct 10, 2024
5 min.
EOS shows how the provisions of the NPL Directive are being implemented locally by its national subsidiaries.
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Marwin Ramcke, izvršni direktor, stoji u svijetloj prostoriji u plavom odijelu i s desnom rukom u džepu.
Financial Investor Corporate Responsibility

Interview: EOS Board on the 2023/24 financial year
Aug 7, 2024
7 min.
The EOS Board on the 2023/24 financial year: How business has developed in the regions, why sustainability remains a key focus area, and how EOS is optimally prepared for the future.
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ESG: EOS has a clear agenda for environmentally conscious and socially responsible action. Corporate Responsibility experts see to it that the strategy is being implemented in the national companies.
Innovation & Trends Corporate Responsibility

ESG experts promoting sustainability at EOS internationally
Jul 31, 2024
4 min.
Commitment to strategy: Sustainability is becoming a success factor for financial companies. ESG experts at EOS are driving environmentally conscious and socially responsible action internationally.
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Innovation contest: The winning team presented artificial intelligence (AI) that can independently make and receive call center calls.
Innovation & Trends Digitalization

Innovation contest: When employees shape the future with AI
Jul 10, 2024
3 min.
Now for the third time, EOS was calling on its employees to take part in the innovation contest. The goal: promoting international collaboration and enhancing performance.
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EOS colleague reading documents in EOS lobby
Corporate Responsibility

EOS MATRIX Licensed as Authorized Credit Servicer by CNB
Jun 28, 2024
2 min.
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Unsecured receivables: Image shows two people looking at an invoice together.
Debt Purchase Unsecured receivables

Unsecured receivables: How EOS stabilizes companies.
May 27, 2024
3 min.
Whether they are a bank, energy utility, telecoms or e-commerce firm, EOS helps businesses from a wide range of sectors to reliably plan ahead by purchasing their unsecured receivables.
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Kollecto+ je digitalni sustav naplate potraživanja tvrtke EOS.
Receivables Management Innovation & Trends

Digital debt collection system: The success story of Kollecto+
Apr 30, 2024
3 min.
Almost half of EOS national subsidiaries work with Kollecto+. The digital collection system is making great strides and offers customers and consumers alike many benefits.
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Headshot of Stephan Ohlmeyer, member of the EOS Board, and Jan Ottenbreit, Head of Division Central Europe.
Debt Purchase Unsecured receivables

New EOS region Central Europe: “We’re creating openness to new goals”
Mar 28, 2024
3 min.
Better knowledge transfer and greater openness to new business areas are what EOS aims to achieve with the new Central Europe region.
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IFC representatives visited the EOS Group in Hamburg, celebrating the cooperation in the Polish market and solidifying the commitment to sustainable investments.
Corporate Responsibility Debt Purchase

ESG criteria: EOS and IFC pursue sustainable portfolio acquisition
Mar 14, 2024
3 min.
In Poland and southeastern Europe, IFC (International Finance Corporation) and EOS apply strict ESG criteria covering social and environmental aspects when buying NPL portfolios.
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Ilustracija žene ispred računala okrenute prema robotu
Receivables Management Innovation & Trends

RPA: Improving quality with software robots at EOS
Feb 27, 2024
2 min.
“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
Data Analytics Innovation & Trends

Not sure about generative AI? The balance between innovation and risk.
Feb 16, 2024
4 min.
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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Jedna ilustracija prikazuje robota ili chatbota koji drži različite grafikone i tekstove, kao i nekoliko zaposlenika koji rade na računalima i postavljaju pitanja chatbotu.
Innovation & Trends Digitalization

How generative AI is taking over routine tasks in the financial sector
Jan 19, 2024
3 min.
Already, generative AI can handle a lot of typical tasks in financial services companies. EOS is testing how chatbots can reduce employee workload even more and improve their efficiency.
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EOS Headquarter in Hamburg
Corporate Responsibility

EOS Matrix rejects the possibility of unauthorized extraction of data
Oct 5, 2023
2 min.
Independent forensic investigations have determined that the data provided to AZOP significantly differs from the data in EOS Matrix data base
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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.
Jul 26, 2023
2 min.
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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Grupna fotografija prikazuje članove uprave EOS-a (s lijeva na desno) Andreas Kropp (Njemačka), Justus Hecking-Veltman (Financije), Marwin Ramcke (predsjednik), Carsten Tidow (Istočna Europa) i Dr. Andreas Witzig, (Zapadna Europa).

2022/23 fiscal year: The Board of the EOS Group takes stock.
Jul 26, 2023
4 min.
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.
Jul 26, 2023
2 min.
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.
Jul 26, 2023
3 min.
Supporting and encouraging people ensures growth: EOS has created numerous programs that enable employees to grow both personally and professionally.
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Slika u krupnom planu prikazuje Cristiana Musat​a, generalnog direktora EOS International BVG i „mozak“ projekta Kollecto+.​

Debt collection software: More efficiency thanks to standardized system.
Jul 26, 2023
2 min.
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.
Corporate Responsibility

How EOS makes debt collection responsible and fair.
Jul 26, 2023
3 min.
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.
Corporate Responsibility

Financial literacy: How EOS is committed to improving financial skills.
Jul 26, 2023
4 min.
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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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’?
Apr 5, 2023
3 min.
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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Dinamička grafika s crvenim, bijelim i crnim točkama koja simbolizira kretanje i inovaciju u upravljanju potraživanjima u EOS-u
Corporate Responsibility

Notice of Alleged Unauthorized Handling of Personal Data
Mar 27, 2023
2 min.
EOS Matrix applies adequate organisational and technical measures for the protection of personal data in accordance with the positive regulations of the General Data Protection Regulation.
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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
Mar 14, 2023
4 min.
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.
Mar 14, 2023
4 min.
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
Oct 5, 2022
4 min.
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 u Globalnom sporazumu UN-a: Alisha Kumar i Sibylle Weingart vode brigu o korporativnoj odgovornosti u EOS-u.

EOS in the UN Global Compact: Taking CR to the next level.
Jul 20, 2022
6 min.
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.
Jul 20, 2022
3 min.
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”
Jul 20, 2022
6 min.
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 nova marka EOS: Marwin Ramcke prezentira sebe i novi logotip tvrtke EOS.
Innovation & Trends

The new EOS brand: Pioneering and more dynamic and digital.  
Mar 1, 2022
3 min.
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.”
Feb 1, 2022
4 min.
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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bubble, heart

EOS Chatbot Survey: How employees and customers profit from AI
Nov 9, 2021
4 min.
Chatbots relieve employees of simple tasks – giving them more time for more complex customer issues and increasing their satisfaction.
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envelope, alarm, push-button, switch, clock

EOS 2021 Chatbot Survey: Two of three companies use bots.
Nov 9, 2021
5 min.
Nearly two thirds of European companies are already using chatbots – and this number is growing. But they are still leaving a lot of potential untapped.
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Strategija korporativne i društvene odgovornosti EOS Grupe: EOS središnjica u ulici Steindamm u Hamburgu

How debt collection can help create a sustainable world
Aug 11, 2021
6 min.
The EOS Group is resolutely pursuing its corporate responsibility agenda. But climate protection is not the only objective. The company’s CR strategy focuses above all on social and corporate engagement.
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Survey shows that around one in five Croatians has excessive debt.
Feb 25, 2021
3 min.
How many people have gone into debt during the pandemic, and how many have even incurred excessive debt? The Covid-19 Financial Report provides insights into the financial situation of consumers.
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Poslovni čovjek skreće pogled: digitalno povjerenje potrošača/-ica je nisko

EOS survey reveals that consumers have no digital trust
Oct 6, 2020
4 min.
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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Korisnici pametnog telefona u velegradu: podaci su postali glavno ekonomsko dobro.

Data as currency: EOS survey shows consumers are open to selling data
Oct 6, 2020
3 min.
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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Annual and Sustainability Report 2023/24

Very good results in challenging times: In its 50th anniversary year, the EOS Group looks back on a demanding and successful financial year 2023/24. All key figures, business highlights and exciting throwbacks to 50 years of EOS as well as achievements and highlights of the EOS Group's commitment to its social, societal and environmental responsibility can be found in this year's annual and sustainability report.
Read the whole report
2023/24

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. 
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Ilustracija glave koja se puni znanjem od različitih ljudi.

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