.jpeg/jcr:content/Stage%20-%20EOS%20Annual-%20and%20Sustainibility%20Report%20202526.jpg)
Success as a team!
My sincere thanks go out to all employees in the more than 20 countries where the EOS Group operates. Their expertise, passion, and dedication made the achievements of the 2025/26 financial year possible. The commitment and collaboration of our employees across the company are at the heart of our success, benefiting our clients, defaulting payers and the entire economy.
Marwin Ramcke
Chairman of the EOS Group’s Board of Directors
Financial insights: EOS fiscal year 2025/26 in numbers
The 2025/26 financial year was very successful for the EOS Group. EBITDA and revenue increased once again, and EOS Consolidated invested EUR 1 billion in receivables portfolios, marking the second-highest investment volume in company history. Our key figures highlight our strong operational performance and underscore EOS as a reliable partner in international receivables management.
Revenue
+1.4 percent compared to the previous year
EBITDA
Previous year’s result slightly improved
in EUR million
Investments
+ 21.1 percent compared to the previous year
in EUR million
Total
1,000.7
Western Europe
382.8
Eastern Europe
361.6
Central Europe
256.3
-
Revenue development by region
In EUR thousandIn fiscal year 2025/26, the revenue of EOS Consolidated reached EUR 1.1 billion, representing a slight increase of 1.4 percent over the previous year. With 35.2 percent the entities in Central Europe recorded the largest share of consolidated revenue, totaling EUR 376.2 million. The revenue share in Eastern Europe was at a similarly high level of 34.9 percent. In this region, EOS Consolidated generated EUR 372.8 million in revenue. The EOS entities in Western Europe generated EUR 318.9 million, corresponding to 29.9 percent of consolidated revenue.
2025/26 2024/25 Year-on-year change (%) Central Europe 376,235 384,946 -2.3 Eastern Europe 372,787 369,180 +1.0 Western Europe 318,931 299,143 +6.6 EOS Consolidated 1,067,952 1,053,269 +1.4 -
-
Consolidated income statement (summary)
In EUR thousandEOS Consolidated achieved earnings before interest, taxes, depreciation, and amortization (EBITDA) of EUR 464.0 million in fiscal year 2025/26 (previous year: EUR 460.8 million). Revenue slightly increased by 1.4 percent or EUR 14.7 million compared to the previous year. The revenue level was maintained due to exceptionally high investments made in previous years, as well as in the current fiscal year. There was a significant increase in revenue particularly in France and Portugal.
2025/26 2024/25 Revenue 1,067,952 1,053,269 Total operating income 1,082,775 1,063,164 Earnings Before Interest, Taxes, Depreciation and Amortization (EBITDA) 463,996 460,757 Earnings before taxes (EBT) 386,811 375,848 Net income 316,746 293,702
-
Assets situation
In EUR thousandTotal assets of EOS Consolidated grew by 11.6 percent compared to the previous year, reaching a total of EUR 3.7 billion. Of the total assets, purchased portfolios account for 73.8 percent (previous year: 74.7 percent) and real estate inventories for 7.4 percent (previous year: 9.5 percent).
2/28/2026 in % 2/28/2025 in % Fixed assets 184,832 4.9 169,196 5.0 Purchased receivables, real estate in inventories, and bridge loans 3,037,745 81.2 2,821,751 84.1 Receivables 91,231 2.4 49,990 1.5 Cash and cash equivalents 305,448 8.2 253,248 7.5 Other assets 122,819 3.3 60,099 1.8 Total assets 3,742,074 100.0 3,354,284 100.0
-
Equity and financing
In EUR thousandIn the past financial year, total financing increased by almost EUR 0.4 billion compared to the previous year, reaching EUR 3.7 billion.
The company’s equity rose by approximately EUR 0.2 billion to EUR 1.8 billion, mainly due to the increased shares of other shareholders. The equity ratio increased to 49.3 percent (previous year: 48.3 percent) – a comparatively very high level for a financial service provider.
The refinancing needs of EOS Consolidated are covered by loans from credit institutions and the shareholder. The majority of this financing remains in the short-term maturity band, which slightly increased from 89.2 percent to 90.8 percent of external financing compared to the previous year.
For accounting reasons, tables and text may contain rounding differences.
2/28/2026 in % 2/28/2025 in % Equity 1,844,934 49.3 1,620,297 48.3 Provisions 71,354 1.9 73,000 2.2 Liabilities with banks 46,609 1.2 41,686 1.2 Liabilities with related parties and companies 1,493,025 39.9 1,347,939 40.2 Trade payables 70,585 1.9 56,335 1.7 Other liabilities 215,567 5.8 215,026 6.4 Total financing 3,742,074 100.0 3,354,284 100.0
We are shaping the financial world sustainably
At EOS, environmental, social, and governance factors go hand in hand. Acting sustainably means treating defaulting payers, clients, and employees with fairness, advancing financial education, and applying strict criteria to our investments. At the same time, we aim to support the transformation toward a sustainable economy.
Debt cases closed
In the 2025/26 financial year, EOS closed more than 5 million debt cases, thus helping defaulting payers.
million
Liquidity returned to the economy
Across the group, EOS returned more than EUR 2.2 billion to the economic cycle during the reporting period.
billion euros
Discover more sustainability highlights here.
See the sustainability figures starting on page 26 in the PDF
The “Annual and Sustainability Report 2025/26” of the EOS Group provides a comprehensive overview of business development, investments and sustainability performance during the reporting year. In addition to key financial figures, the report highlights progress in the areas of environment, social responsibility and governance (ESG). The report is aligned with the European Sustainability Reporting Standards (ESRS). See the sustainability figures starting on page 26 in the PDF
_EV_Recognition_1-ecovadis.svg "EcoVadis Gold – EOS sustainability award 2025")
From bronze to gold: EOS achieves new ESG rating
In the reporting year, EOS Holding was awarded the Gold Medal by the renowned ESG rating agency EcoVadis, an improvement from Bronze to Gold within just one year. This places EOS among the top five percent of the most sustainable companies worldwide and even top three percent in its industry. The result confirms our strong performance and ongoing progress in sustainability management.
Marwin Ramcke, CEO of EOS: “Progressing from Bronze to Gold in just one year is a fantastic achievement that highlights the success of our sustainability strategy. This Gold Medal serves as recognition for the hard work of our entire team.”
Learn more about our ESG ratings on page 29 in the PDF
View the official EcoVadis results
The “Annual and Sustainability Report 2025/26” of the EOS Group provides a comprehensive overview of business development, investments and sustainability performance during the reporting year. In addition to key financial figures, the report highlights progress in the areas of environment, social responsibility and governance (ESG). The report is aligned with the European Sustainability Reporting Standards (ESRS). Learn more about our ESG ratings on page 29 in the PDF
