Founded
27.10.20253min
Scaling and diversifying
Understanding debts
Understanding debts
More than ever before, the Otto Group is focused on diversifying and scaling business models that achieve substantial, particularly international, growth in the medium and long term. In this context, the EOS Group is setting new standards with its investments in non-performing loans (NPLs). As an expert in receivables management, EOS helps defaulting payers worldwide to reduce their debts sustainably and responsibly.
372.6 billion Euros – that was the volume of non-performing loans on European banks' balance sheets in the second quarter of 2025. Yet,liquidity tied up in these non-performing loans can be crucial when it comes to new investments and lending, which in turn bring a thriving economy. No wonder, then, that Bank regulators and central banks, in particular, are urging institutions to systematically reduce risks. At the same time, many portfolios are complex: diverse claim types, collaterals, and real estate values make these assets difficult for banks to manage and realize.
In such situations, a responsible partner is needed to reduce complexity and bring about structured relief. The EOS Group, which shapes the Financial Services segment within the Otto Group, is a leading international investor in receivables and real estate portfolios. As an expert in managing open receivables, EOS has been helping companies and banks for over 50 years to reduce NPLs and thus return liquidity to the economic cycle.
The EOS Group was founded in Germany and is now an internationally active company with operations in more than 20 countries. Our dedicated teams are intimately familiar with the specific characteristics of each individual market and invest strategically wherever opportunities arise. This very diversification enables EOS to respond flexibly to economic fluctuations, spread risks, and optimally balance its portfolio. That is what makes EOS so successful.
1974
20 countries
In over
6,000 employees
More than
The EOS Group is a leading technology-driven investor in non-performing loans and an expert in managing open receivables.
EOS
Trust is key
Our presence in national markets has given us comprehensive expertise in areas ranging from local regulatory requirements to the necessary structures for acquiring large receivables portfolios, including consumer loans, commercial claims, and real estate restructuring. EOS has the knowledge and experience to understand the history of a portfolio and local market conditions. "Our focus will continue to be on investments in NPLs. They form the basis of our business," explains CEO Marwin Ramcke, outlining the company's direction.
Creative receivables management: A new start for a marble factory in Bulgaria
An insolvent traditional company, a courageous decision, and a happy ending: This is how EOS, with creativity and perseverance, helped secure around 100 jobs.
Marble factory in Bulgaria
Entrepreneurial spirit: From 0 to 100 in three years at EOS in Portugal
About three years ago, the EOS Group took a bold step and founded an own company in Portugal. Today, this vision has become a reality, and the Portuguese subsidiary is now among the market leaders in the industry, with around 100 employees.
Fair debt collection: The person behind the debt
The central question in responsible debt collection is: How do we treat defaulting payers? As EOS shows, there's more than one good answer to this question.
Marwin Ramcke, CEO EOS Group
Our focus will continue to be on investments in NPLs. They form the basis of our business.
Trust is central to receivables management. As part of the Otto Group, EOS is financially stable and long-term oriented. Today, the company is considered to be one of the most reliable players in the European NPL market. This is underscored by our joint venture with the International Finance Corporation (IFC), a member of the World Bank Group. The shared goal is to improve corporate liquidity and the debt situation of consumers in growing markets through the responsible acquisition of NPLs in Croatia, Serbia, Romania, Poland, Bulgaria, and Bosnia and Herzegovina.
For sustainable debt relief, EOS not only acquires receivables but also takes on the servicing itself – meaning the professional processing of the portfolios. This includes fair, empathetic communication with consumers, as well as collateral management and the implementation of legal requirements. "For us, debt collection means taking responsibility – not just for our employees and customers, but also for consumers, society, and the entire debt collection industry. In short: changing finances for the better," says Marwin Ramcke.
Learn more about the EOS Group's corporate responsibility strategy