Annual Report 2019/20 - EOS in Germany


New year – new growth: In the last financial year EOS continued to forge its own path. “Together with my colleagues I am looking back at what has been by far the most successful financial year for the EOS Group,” says CEO Klaus Engberding. In saying this he is not just referring to the revenue generated by the growth-driving regions GermanyWestern Europe and Eastern Europe. Other major success factors were the technological progress made in digitalization and the ongoing development of the corporate culture. There was also significant investment in secured and unsecured receivables: at EUR 651.3 million, the investment volume was at a consistently high level.

Consolidated revenue by region

Die Aufteilung des Gesamtumsatzes der EOS Gruppe im Geschäftsjahr 2019/20 auf die globalen Partnerunternehmen.
Revenue of EOS Consolidated in the various regions for fiscal 2019/20

Revenue performance over the last few years (in € million)

EOS Consolidated closes fiscal 2019/20 with a substantial increase in earnings compared with the previous year, which was already very successful. At EUR 853.1 million, consolidated revenue was 4.8 percent higher than the previous years excellent value.
Business performance in detail

Earnings (EBITDA) over the last four years (in € million)

Earnings before interest, taxes, depreciation and amortization (EBITDA) were EUR 343.4 million in 2019/20. The increase in earnings is attributable above all to substantial business growth in Eastern Europe.
Earnings performance in detail


The EOS Consolidated increased its revenue in fiscal year 2019/20 by just under five percent. This is equivalent to a consolidated revenue of EUR 853.1 million or earnings before interest, taxes, depreciation and amortization (EBITDA) of EUR 343.4 million. The EOS companies in Eastern Europe posted the best results, with an increase in revenue of more than 30 percent. CEO Klaus Engberding says: “In particular, the expertise, commitment and mindset of our workforce have been major factors in this success.” As in previous years, another driver was the use of modern technology. In the last financial year alone, more than EUR 25 million were invested in upgrading our IT core systems.
Euler Hermes Rating has given EOS an A-rating for the 16th time in a row. 
Bereits zum 16. Mal in Folge wird der EOS Konzern mit der Ratingnote A des Euler Hermes Ratings ausgezeichnet.
Das Geschäftsjahr 2019/20 ist das bislang erfolgreichste in der Geschichte der EOS Gruppe.

“I feel very proud as I look back at the last financial year. It is the most successful year in the history of the EOS Group,” says Klaus Engberding, CEO of the EOS Group.

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Investments in receivables purchases in detail.

In dem Geschäftsjahr 2019/20 investierte die EOS Gruppe sowohl in unbesicherten als auch besicherten Forderungen.
Breakdown into unsecured and secured receivables and real estate for the various countries.
Annual Report


This is how EOS is continuing to systematically pursue its strategy. The objective is to be one of the top three financial investors in all established markets (with the exception of the USA). Already, EOS is an acknowledged expert in the acquisition of secured and unsecured debt portfolios. This is facilitated by the Group’s role as a technological pioneer and its international alignment. In the current financial year there will be a stronger emphasis on organizational responsiveness, the empowerment of the workforce and collaboration with startups, as EOS prepares to meet imminent challenges while looking optimistically to the future.
Our success is based on the technological progress we have made with digitalization and the cultural improvements resulting from our new organizational and collaboration models. This makes us a stable and reliable partner, today and in the future.
Klaus Engberding, CEO of the EOS Group

Read now:
The Annual Report 2019/20

Further insights into business performance 2019/20

Jahresbericht 2019/20: Dr. Andreas Witzig, Geschäftsführer der EOS Gruppe und zuständig für Westeuropa und Nordamerika

EOS in Western Europe: fiscal 2019/20 at a glance

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EOS Consolidated in Western Europe: slight uptick in revenue thanks to positive business performance and top position as buyer of receivables.
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Jahresbericht 2019/20: Marwin Ramcke, Geschäftsführer der EOS Gruppe und zuständig für die Region Osteuropa

EOS 2019/20 financial year: Record result in Eastern Europe

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With revenue up by over 30 percent, Eastern Europe is celebrating record gains. In several countries, EOS is gaining ground with substantial investments in secured and unsecured receivables.
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