An illustration of a large turquoise head that is unfolded at the top. Three people are bringing ideas and icons to the head and put them inside

EOS Newsroom

EOS Magazine

New CEO Marwin Ramcke: “We are going to set new benchmarks in the financial industry.”

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.
Learn more

The six biggest misconceptions about debt collection

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.
Learn more

When is it beneficial to outsource debt collection?

Why is it beneficial for companies to engage a debt collection service provider? And when is the best time to do so? We asked an expert.
Learn more

Strong Investments.

Investments in debt purchases: Dr Andreas Witzig, Member of the EOS Group’s Board of Directors, on the development of revenues in the Western European and North American regions.
Learn more

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.
Learn more

Machine learning is coming into its own.

How does data-driven decision making work in receivables management? Pioneering work done at EOS shows the potential of machine learning.
Learn more

Press releases

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:, Tel.: +49 40 899 699 347


Majority of EU companies associate new European General Data Protection Regulation (GDPR) with even more data security in the receivables management segment / Companies report extra work above all in administrative and HR areas / More than 10 percent of EU companies not familiar with GDPR

Hamburg, 22 May 2018 – Europe’s companies generally have a positive attitude to the EU General Data Protection Regulation (GDPR), despite the extra work involved. This is because more than two thirds (69 percent) of all European companies that rate the new regulation as relevant to them will benefit from greater data security in receivables management. This applies in particular to Spanish and Danish companies (each 78 percent); in Germany, on the other hand, the figure is 71 percent. These results were the outcome of a special analysis by the EOS Group on the impact of the new regulation in Europe. The survey polled 3,000 companies in 15 European countries. The analysis is part of the EOS Survey ‘European Payment Practices' 2018 conducted by independent market research institute Kantar TNS.

GDPR: Only just over half of EU companies considers it relevant
‘The special analysis shows how important data security and data protection are for European companies,’ explains Kirsten Pedd, Chief Compliance Officer and Chief General Counsel of the EOS Group in Germany. ‘Nevertheless there are still companies that are not familiar with the GDPR at all. There is a risk that the regulation is being taken lightly.’ The EOS analysis shows that 11 percent of the EU companies polled have not known about the GDPR so far. A quarter of the companies surveyed (25 percent) are familiar with the regulation but think it is not very relevant or not relevant at all to their own business. Only just over half (57 percent) of companies polled consider the new regulation to be relevant to them.

Extra work throughout Europe - espacially in the administrative and HR areas
The 57 percent of EU companies that recognise that the GDPR is relevant to them also report that there is extra work involved, primarily affecting administration. As well as an increase in documentation obligations, around two thirds (69 percent) of companies say that there is more bureaucracy as a result of implementing the regulation and an increase in information obligations (65 percent). More than half of the companies (55 percent) also report an increase in the need for personnel resources. A total of 26 percent of companies even state that the GDPR could jeopardise their business model.

Receivables management: companies well prepared
‘Although most experts for receivables management are prepared for the extra work that may be involved, they clearly associate the GDPR with more data security and data protection,’ concludes Kirsten Pedd. ‘Thanks to this clear awareness, companies are well prepared for the implementation of the regulation.’

The GDPR applies to all EU companies from 25 May
The GDPR is a regulation of the European Union that affects private companies and public bodies. The regulation has been in force since 25 May 2016, but all EU countries have to implement it from 25 May 2018. The objective of the regulation is to protect personal data within the EU and ensure free movement of data within the EU single market.

About the EOS survey ‘European Payment Practices’ 2018
In the spring of 2018, in partnership with independent market research institute Kantar TNS (formerly TNS Infratest), EOS surveyed 3,400 companies with a minimum of 20 staff and an annual turnover of at least €5 million about prevailing local payment practices, economic developments in their countries, and issues relating to risk and receivables management. The results presented here are part of a special analysis of the survey of 3,000 companies from 15 EU countries: Germany, UK, Spain, France, Belgium, Austria, Romania, Czech Republic, Croatia, Hungary, Bulgaria, Slovakia, Slovenia, Poland and Greece.

The EOS Group
The EOS Group is one of the leading international providers of customised financial services. Its main focus is on receivables management covering three key business segments: fiduciary collection, debt purchase and business process outsourcing. With around 7,000 employees and more than 55 subsidiaries, EOS offers some 20,000 clients in 26 countries around the world financial security with tailored services in the B2C and B2B segments. Being connected to an international network of partner companies, the EOS Group has access to resources in more than 180 countries. Its key target sectors are banking, utilities and telecommunications, along with the public sector, real estate, mail order and e-commerce. For more information please visit:


Hamburg. An impressive credit standing: this was the verdict of Euler Hermes Rating in the summer of 2016 following its audit of EOS Holding, making it the twelfth time in succession that the debt collection specialist has received an ‘A‘ rating. The auditors had been particularly convinced by the company’s longstanding experience in the evaluation, acquisition and recovery of non-performing loans.

Other contributing factors were the company’s very high earnings power over a number of years and its extremely stable cash flows. The rating agency was also impressed by the company’s capital structure and debt repayment capacity.

"We are absolutely delighted that we have been given an ‘A’ rating every year since 2005. This acknowledges the ongoing work that we do," says Justus Hecking-Veltman, Member of the EOS Group’s Board of Directors and Chief Financial Officer. Ultimately, this allows EOS to show its customers that their confidence in EOS is well placed.

Euler Hermes Rating identifies development opportunities for EOS through the diversification of its range of services and the increasing volumes of debt in emerging international markets. "We share this view and have set ourselves the goal of boosting our presence in promising markets," explains Mr Hecking-Veltman. In this context, EOS benefits, for example, from its experience on the German market for debt purchases secured by real estate: "In the last financial year we expanded this business segment internationally."

The EOS Group

The EOS Group is one of the leading international providers of customised financial services. Its main focus is on receivables management. With more than 8,500 employees and 50 subsidiaries, EOS offers around 20,000 clients, in more than 25 countries around the world, financial security with tailored services. Being connected to an international network of partner companies, the EOS Group has access to resources in 150 countries on every continent. The key target sectors are banking, insurance, utilities, and telecommunications, along with the public sector including local public transport, the healthcare and real estate sectors as well as mail order trade and e-commerce. For more information please go to:



Schönes, sommerliches Wetter motiviert viele, die es einrichten können dazu, das Büro ins Freie zu verlegen. Dank Laptop, Smartphone und Co ist das technisch auch überhaupt kein Problem mehr.

Das Arbeiten außerhalb der Büroräume birgt jedoch auch einige Risiken, die man beachten sollte.

  • Schützen Sie Ihren Bildschirminhalt vor neugierigen Blicken! Kennen Sie den Gast hinter Ihnen? Verwenden Sie Bildschirmfilter bzw. Sichtschutzfolien. So verhindern Sie ungewolltes Mitlesen Ihrer E-Mails und Dateien.
  • Widerstehen Sie der offenen WLAN-Verbindung! Frei zugängliche und oft unverschlüsselte WLAN-Funknetze machen es für Hacker mühelos möglich, auf Ihren Computer oder Ihr Smartphone zuzugreifen. Verwenden Sie besser den WLAN-Hotspot eines Ihrer eigenen Geräte.
  • Deaktivieren Sie die Verbindung zu NFC, Bluetooth und WLAN! Viele lassen Drahtlosverbindungen permanent aktiviert. Aktivierte Schnittstellen können als Einfallstor in das System genutzt werden. Besser ist es, diese Verbindungen nur dann einzuschalten, wenn man sie verwendet.
  • Sichern Sie Ihre Daten und verschlüsseln Sie Ihre Festplatte! Mobile Geräte sind praktisch, aber durch ihre Bauweise und den ständigen Transport auch anfällig für Schäden und ein attraktives Ziel für Langfinger. Der beste Schutz dagegen sind regelmäßige Datensicherungen und eine aktive Verschlüsselung.
  • Achten Sie auf ein sicheres Passwort und aktualisieren Sie Apps und Programme! Notieren Sie keinesfalls Ihr Passwort am Gerät und halten Sie Programme (allem voran den Virenschutz) auf dem aktuellen Stand.

Der alte österreichische Schilling hat als Zahlungsmittel längst ausgedient. Trotzdem sollen derzeit noch Scheine im Wert von 110 Mio. Euro im Umlauf sein.

Nur noch bis 20. April 2018 können die 500 ATS-Banknote "Otto Wagner" und die 1000 ATS-Banknote "Erwin Schrödinger" bei der Nationalbank umgetauscht werden. Danach verlieren beide Banknoten ihre Gültigkeit. Nach Angaben der Österreichischen Nationalbank sind noch solche Scheine im Wert von 110 Mio. Euro im Umlauf.


Our Annual Report 2020/21 is here!

Immerse yourself in the diverse world of EOS and learn about the economic and social challenges we have mastered together in the last financial year. 
Annual report in detail

Press Contact EOS in Austria

EOS in Austria

Tel: +43 1 544 71 71