Thoughts made visible.

EOS survey on artificial intelligence: Financial executives fear for their jobs

Artificial intelligence 2019

Digitization in need of improvement: According to the EOS survey, European companies have some catching up to do

Digitalization 2019

Data protection and cyber security: the EOS survey shows that in matters of cyber defense many companies are still not taking action

Trends in receivables management 2019

Digital payment methods: EOS survey on cashless payment

Digital payment methods 2019

Payment practices 2019

EOS Consolidated 2018/19 revenue by region.

The EOS Study

Reasons for poor payment practices.

An overview of the payment practices of the EOS study 2018 show that the payment morality increased in several terms. The

Payment practices 2018: positive trend.

Types of defaulter in comparison with Germany, USA and Russia.

EOS Debtor Typology

The infographic of the key results of the EOS 2017 debt study show that 91% of Germans feel bad if they do not pay back their debts under the motto: 'Life on credit is becoming increasingly unpopular in Germany'. Compared with Russia and the USA, 76% of Russians and Americans say they feel bad about outstanding debts.

EOS Debt Survey 2017

EOS 'European payment practices' 2017 shows that only 49% of respondents rated themselves as 'digitized' and 18% completely digitalized their reminders. Compared to other countries, Germany has a low level of digitalization. A digitized dunning process can lead to more punctual payments, say 49% of the companies.

Digital Dunning

EOS survey

Payment deadlines

Findings from the EOS 'European Payment Practices' 2017 study shows that many customers deliberately fail to pay their outstanding payments. As a result, 46% of companies suffer a loss of profit. The most common reason for non-payment of one's own debts is overextension among private customers. But forgetfulness and deliberate non-payment are also reasons for unpaid bills. In most cases, business customers do not pay because they wait for their own customers to pay. But also insolvent and deliberate non-payment are reasons.

Intentional non-payment

Invoicing processes

Finding of the EOS study

Investment brakes


Boomerang of payment delays

Debt collection is a important part of the economy. Without, many companies could loss profit because of outstanding invoices. 41% of companies commission debt collectors with a result of 8% returning the profit to the clients.

Importance of debt collection

EOS study

Driver for the corporate growth

Since 2007 the EOS survey

10 years payment behaviour