Changing for the better.

We want to change things for the better. The EOS Group has defined its sustainability goals in its Corporate Responsibility (CR) strategy. It lends structure to our commitment and encourages us to act even more responsibly.

Zaposleni EOS-a predstavlja temo strankam

Intro

In a rapidly changing world, challenges present us with new business realities. For companies to align with and embrace sustainability, all stakeholders must be transformed. Thus, EOS focuses on four areas of sustainable practices: responsible debt collection, social responsibility, financial sustainability, and environmental protection. EOS builds its sustainability strategy on the foundations of corporate social responsibility, entrepreneurial engagement, and empowerment of all stakeholders. In addition to environmental protection, our focus lies on financial sustainability, responsible debt collection practices, and striking a balance between our clients' interests and debtors' financial capabilities. Financial literacy is also crucial to EOS, as we aim to reduce the likelihood of individuals falling into debt.

Managing director Janez Klančar

Long-Sleeve, Sleeve, Face, Person, Photography, Portrait, Adult, Male, Man, Sweater

‘For us, debt collection means taking responsibility – not only for the company’s own employees and clients, but also for consumers, society and the entire debt collection industry. In short, changing for the better.’

Marwin Ramcke

Chairman of the EOS Group’s Board of Directors

Our fields of action

Our four fields of action in our corporate responsibility strategy.

We are successful in business because we embrace change and take responsibility for all that we do. We want to change things for the better for our clients and employees, but also for consumers, our industry, and society.

Sustainability is an integral part of our corporate responsibility. Our CR activities go beyond environmental protection. As an international finance service provider, we are especially committed to social responsibility and corporate governance.

Receivables management means taking responsibility

Responsible Collection

EOS stands for respectful and fair treatment of consumers and for solution-driven, sustained debt relief.

Learn more about Responsible Collection

Joint Progress

We take on social responsibility within the EOS Group by promoting empowerment, diversity and inclusion, and in society through our education initiatives.

Learn more about Joint Progress

Financial Sustainability

EOS advocates strong, binding industry standards and responsibility guidelines. We apply strict criteria when we price portfolio purchases and make other investments.

Learn more about Financial Sustainability

Environmental Protection

As a strong part of the Otto Group, EOS supports the Group’s climate protection strategy that pursues the Paris Agreement goal of limiting global warming to 1.5 °C. Together we work on implementing targeted measures.

Learn more about Environmental Protection

The commitment of our leadership to social responsibility

At EOS KSI, we recognise the importance of social responsibility. Our operations are based on responsible debt collection and adherence to legal and ethical standards encompassing transparency, accountability, and impartiality. We are committed to social responsibility and have embraced the pledge of "Changing finances for the better," striving for a better tomorrow for all.

Our sustainability strategy encompasses four pillars of responsible conduct: financial sustainability, responsible debt collection, social responsibility, and environmental conservation. Our goal is to achieve long-term business success and company development while considering the interests of all stakeholders. We commit to continuously seeking a balance between our clients' interests and debtors' financial capabilities.

Furthermore, we pledge to ensure fair and respectful treatment of all stakeholders. Our employees are the foundation of our growth and development; therefore, we prioritise and commit to caring for their quality of life. As an employer, we pledge to continue providing fair compensation, lifelong learning opportunities, additional pension plans, and developing employees' skills, abilities, and personal growth. We encourage employees to take the initiative in achieving goals. We also commit to increasing attention to diversity and inclusion, fostering a team environment that includes every employee in discussions and decision-making processes.

The commitment of our leadership to respecting human rights

At EOS KSI, we know that respect for human rights is crucial for successful and socially responsible businesses. As a company, we carefully monitor potential adverse effects on all stakeholders' human rights and prevent or eliminate them. We pay special attention to the rights of our employees and are committed to providing them with a safe and healthy working environment free of discrimination and harassment. We are committed to checking potential risks in the supply chain, taking action in the event of violations, and establishing an anonymous reporting system. We are committed to transparent and honest business and long-term mutual trust with respect for the human rights of all stakeholders. We firmly oppose social risks, such as child or forced labour, and are committed to equal treatment of all employees, regardless of personal circumstances.

News and Activities

EOS Group achieves top industry recognition with outstanding ESG ratings

The EOS Group once again received significant recognition in 2025 for its outstanding performance in the area of Environment, Social, and Governance (ESG). The renowned rating agency Morningstar Sustainalytics awarded us both the "Top Rated Industry" and "Top Rated Regional" awards. These place the EOS Group among the top two percent of companies in the consumer finance sector for the second year in a row.

"With the independent ESG rating, we are making our contribution to sustainable development transparent. The top rankings show that our corporate responsibility strategy is successful and that we are very well positioned in many areas," CEO Marwin Ramcke explains.

Furthermore, our commitment to sustainability was recognized for the first time with the EcoVadis Bronze Medal. These accolades emphasize the continuous pursuit of responsible and sustainable actions.

Together with our partners, customers, and the future generation, we are shaping a world in which sustainability is a priority for everyone.

Ekvilib cerfificate Socially responsible employer

On April 21, 2022, the Ekvilb Institute's Board of Auditors awarded us the Socially Responsible Employer Accession Certificate - access certificate in integrated social responsibility management, becoming an internationally recognised and established certification in sustainable business.

IRDO certificate Strategist for social responsibility and sustainable development (CSO)

In June 2023, EOS KSI obtained the Certificate Strategist for social responsibility and sustainable development (CSO).

As a company, we know the importance of strategic management in social responsibility and sustainable development, so we train our employees in this area with the help of independent external institutions. At IRDO - the Institute for the Development of Social Responsibility, EOS KSI trained its employees and thus obtained the certificate of Strategist for Social Responsibility and Sustainable Development.

Signatories to the Diversity Charter

In EOS KSI d.o.o. by signing the Slovenia Diversity Charter in 2020, we committed ourselves to implement the principles of diversity, equality and inclusion of all members in society. We believe diversity fosters innovation, is a source of progress and development, and leads to a more creative work environment.

Sustainibility Strategy and Goals

Materiality matrix

The matrix shows the key sustainability topics from the EOS corporate perspective and from the viewpoint of our external stakeholders.

Materiality analysis

The process of our materiality analysis
In our 2022 materiality analysis, we identified the sustainability topics that are most important for EOS. These material topics still build the basis of our sustainability reporting.

To create a long list of potential material topics, we examined the status quo and did a benchmark analysis which included relevant international reporting standards, guidelines, rules and regulations (Global Reporting Initiative (GRI), Deutscher Nachhaltigkeitskodex (DNK), Sustainable Development Goals (SDG), Sustainability Accounting Standards Board (SASB), United Nations Global Compact (UNGC), European Sustainability Reporting Standards (ESRS*)). In a workshop with internal and external experts we then narrowed down, summarized and prioritized our material topics. We rated them according to their relevance for both EOS (x-axis) and our external stakeholders (y-axis). In assessing the material topics for EOS, we considered the inside-out and outside-in perspective, also known as double materiality. GRI 2-29 GRI 3-1

^{* We used the ESRS standards dated April 2022 to create the long list.}

Our material topics

Responsible Collection
- Ethical Collection by Treating Customers Fairly
  We create individual solutions and use transparent and simple processes to help defaulting consumers pay back their debts. We always treat them fairly and respectfully.
- Tech-driven Transformation & Innovation
  We use technological innovations and data-based success forecasts to optimize the debt reduction processes. For example, we offer client- and consumer-oriented digital services.
Joint Progress
- Societal Impact through Financial Literacy
  With our numerous education initiatives, we advocate greater financial literacy in our society. For example, the non-profit finlit foundation, which was founded by EOS, educates children and adolescents in many European countries on the subject of finances. We thereby contribute to a sound economic system and help prevent excessive private debt.
- Diversity, Equality & Inclusion
  At EOS, all employees are treated equally, regardless of e.g. their gender, religious orientation or background. In our everyday work we practice inclusion and integrity and observe a strict anti-discrimination policy.
- Talent Attraction, Development & Retention
  To be able to offer excellent service, we need well-trained and motivated employees. We want to retain and promote talented people in our company. We offer regular training opportunities in the form of courses and practice sessions, attractive employee benefits and flexible work models.
- Local Community Engagement & Participation
  EOS wants to be part of the local communities and actively supports them. We back education initiatives and promote social engagement by our employees during working hours. We try to help strengthen the local community by way of specific measures.
- Employee Satisfaction & Well-Being
  Employee satisfaction is our top priority. Through our appreciative working atmosphere, we increase employee satisfaction and support measures to promote our staff members’ mental and physical health.
Financial Sustainability
- Digital Responsibility & Cyber Security
  Because we work with sensitive data from our defaulting consumers and clients, we take digital responsibility seriously. Our top priority is ensuring the highest data privacy standards and cyber security.
- Business Ethics & Safeguard Compliance
  Fair business practices are part of our DNA. We have defined our standards regarding integrity, ethical conduct, and a respectful way of dealing with one another in our Code of Conduct.
- Responsible Acquisition of Portfolios & Partnerships
  Our business decisions are determined not only by economic metrics but also by social and ecological criteria. When selecting portfolios and partners we apply specific exclusion criteria.
- Strengthening Liquidity of our Clients
  We create financial added value for our clients by taking over their receivables while making our processes simple, digital and accessible to them. Our work makes it possible for our clients to focus on their core business. At the same time, we boost their liquidity and return money to the economic cycle.
- Trustworthy Stakeholder Relations
  Because our relations with stakeholders are crucially important to EOS, we maintain an ongoing dialog with them. Through satisfaction surveys, participation processes, dialog formats, round-tables and industry events, we regularly invite our stakeholders to become involved, express their opinions and discuss matters with us.
- Industry Leadership & Best Practice
  As a role model within our sector, we advocate fair and transparent debt collection business. We use our membership in industry associations to engage in dialog and to advance our efforts to establish binding ethical industry standards.
Environmental Protection
- Reduction of Environmental Footprint
  As part of the Otto Group, we contribute to achieving our parent company’s Science-Based Target, specifically, the reduction of group-wide absolute greenhouse gas emissions by 42 percent by the end of fiscal year 2031/2032*. By calculating our carbon footprint, we show our reduction potential and can take specific measures.
^{*Compared to fiscal 2021/22, according to the Science-Based Target (SBT) and to the 1.5 degree target of the Paris Agreement; the official wording of the target is shown on the SBTi website.}

GRI 3-2

UN Global Compact and SDGs

Worldwide responsibility: the UN Global Compact
In 2021, the EOS Group joined the UN Global Compact, the world's largest and most important initiative for sustainable and responsible corporate governance. We thereby committed ourselves to complying with the core values in human rights, labor standards, environment and anti-corruption which make up the Ten Principles.

Every new member derives its own goals from the Initiative’s principles. We did so, basing our goals on a selection of the 17 UN Sustainable Development Goals (SDGs) we can pursue most effectively. The SDGs we selected along with associated key figures and goals make up an important benchmark in our corporate responsibility strategy. We report on the progress we have made once a year as part of our “Communication on Progress” (COP). GRI 2-23

We focus on the following SDGs:

Individual initiatives and measures that partly promote other SDGs will be included in the reporting as appropriate.

Additional material and content

Learn more about our activities

Mlada ženska na svojem mobilnem telefonu ob članu ekipe EOS s slušalkami in dvema ženskama, ki se pogovarjata.

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.

Learn more

Poštena izterjava: Moški dolžnik srednjih let v olivno obarvani jakni zaskrbljeno gleda skozi okno.

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.

Learn more

Marwin Ramcke, izvršni direktor, v modri obleki in z desno roko v žepu hlač stoji v svetlem prostoru.

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.

Learn more

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.

Learn more

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.

Learn more

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.

Learn more

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.

Learn more

Our responsibility. Report as PDF for download.

Download the summary PDF here.

Annual and Sustainability Report 2023/2024

Sustainability Report 2022/2023 (0.9 MB) Annual Report 2021/2022 (1.7 MB)

Do you have questions about our CR strategy? We will be happy to answer them!

Blonde, Person, Adult, Female, Woman, Blouse, Shirt, Face, Head, Portrait

Kristina Žgur

EOS KSI, Upravljanje terjatev d.o.o.

Letališka cesta 33

SI-1000 Ljubljana

Phone: 05/90 78 088

[email protected]

Changing for the better.

‘For us, debt collection means taking responsibility – not only for the company’s own employees and clients, but also for consumers, society and the entire debt collection industry. In short, changing for the better.’

Our four fields of action in our corporate responsibility strategy.