EOS group

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EOS Holding GmbH

logo
legal form GmbH
Seat Hamburg , GermanyGermanyGermany 
management Klaus Engberding
Number of employees 7,578 worldwide
(end of February 2020)
sales 853.1 million euros
(financial year 2019/20)
Branch Debt collection , financial service providers
Website www.eos-solutions.com

The EOS Group includes more than 60 operating companies with locations in 26 countries that operate under the umbrella of a holding company in the field of financial services . The focus is on receivables management including purchase of receivables and debt collection . The group, headquartered in Hamburg, belongs to the Otto Group and is Germany's largest debt collection provider.

history

From the foundation to the turn of the millennium

The nucleus was Mercator-Inkasso GmbH & Co. KG , founded in 1974 , a spin-off from the legal department of Otto-Versand (today: OTTO ). The mail order company held 75 percent of the shares at the time . In the following year the company changed its name and called itself Deutscher Inkasso-Dienst (DID) in order to avoid confusion with a competitor. According to Otto-Versand, the company quickly developed into one of the largest debt collection companies in Germany. The focus of business activity was the collection of outstanding receivables for the group , at the same time DID was also active for companies outside the group. At an early stage, the service provider relied on intensive correspondence, telephone calls with defaulting payers, the use of IT , its own field service , the promotion of out-of-court settlements and the acquisition of mandates from outside the group .

1981 DID founded the DID Euro Incasso Service BV , a 100 percent subsidiary based in the Dutch Tilburg - the first step of internationalization . In 1987, the total of processed claims ("processed business volume") exceeded 1 billion DM . DID entered the Swiss market in 1988 with the purchase of Debita AG . From the mid-1980s, the company began buying up non-performing loans from banks.

In Austria , DID appeared in 1990 with the establishment of DID Inkasso Dienst Gesellschaft mbH (seat: Vienna ), in which it held 50 percent of the shares. Within Germany, the DID in 1990 acquired the Frankfurt collection GmbH and 1992, the cooperatives active Argus collection GmbH (Headquarters: Frankfurt am Main ). The market entry in Great Britain took place in 1993 through the acquisition of Collection Agencies PLC ( Edinburgh ) and Logic Group PLC ( Newcastle ); the two companies merged eight years later. In 1993 the number of employees in Germany and abroad was 1,100. A year later, DID acquired the majority of Zahnärzte-Kassel AG (Switzerland), then in 1995 a leading company for publishing collections in Germany , Wallstab & Co. KG . In 1997, the company in Germany brought together its field service employees in its own company, and it traded as Deutscher Kredit-Schutz GmbH (today: EOS Field Services GmbH ). The following year, the company founded a call center , Deutscher Tele Kredit-Schutz GmbH (today: EOS Serviceline GmbH ), and took a 35 percent stake in Mercator Inkasso GmbH . This company, based in Kamp-Lintfort , was founded in Duisburg in 1933 and was completely taken over in the 2004/05 financial year. In 1998, the DID involved in the credit agency Bürgel . In 1999 DID acquired Kasolvenzia in Bad Rappenau , which was present in several Eastern European countries ( Hungary , Czech Republic , Slovakia , Poland ).

From 2000

In 2000, CRIF Decisionline , a joint venture with the Italian credit agency group CRIF, was founded . In the same year, EOS Holding was founded and the introduction of the EOS umbrella brand began . EOS entered the US market with the acquisition of Collecto , a company founded in 1992. In 2002 the number of employees exceeded the 2,000 mark. In 2003 EOS started business through a cooperation with a local partner in Romania . In 2004, EOS founded a company specializing in medical debt collection, EOS Health Honorarmanagement AG , which over the next few years established itself primarily as a service provider for dental practices. In July 2005 EOS acquired the majority of Europe Matrix Financial Services SA and started its business activities in Greece , Bulgaria , Macedonia and Serbia . At the end of the 2005/06 financial year, sales exceeded the EUR 200 million mark (EUR 203.8 million). The 2007/08 financial year was characterized by market entries in Russia , China and the Benelux countries. At the same time, EOS got involved with the address service provider Coxulto ( Stuttgart ). At the end of this period the group had almost 3,500 employees. In 2008, EOS Inkasso acquired Arena (Switzerland) and Rochester Credit Center (USA). At the end of February 2009, almost 4,300 people were working in EOS companies. In 2009, the Spanish debt collection service provider Acción de Cobro was bought from Banco Pastor . With the establishment of EOS Matrix doo , the company entered the Croatian market. By acquiring a majority stake in WCF Finetrading AG , EOS expanded its activities to include the pre-financing of goods purchases , a business area that was given up in 2017. Sales rose to EUR 314 million in the 2009/10 financial year.

Ukrainian corporate customers have been able to access EOS services for the first time since TOV EOS Ukraine was founded in 2010. In the same year, EOS strengthened its presence in the US by purchasing True North AR . This was followed in 2011 by the acquisition of the majority stake in Hoepers Recuperadora de Crédito SA , a debt collection provider in Brazil . The company has also been offering its services in France since April 2011, when it took over the debt collection company Credirec . With the intention of gaining a foothold in Canada , EOS also acquired the debt collection company Nor-Don Collection , a service provider for banks, utilities and telecommunications providers , in 2011 . In 2013, EOS took over the debt collection unit of the Spanish Banco Popular . In the 2012/13 financial year, around 9,000 employees generated sales of more than half a billion euros. In 2013, EOS bought SAF Receivables Management from Deutsche Telekom . This year more than 50 companies in more than 25 countries belonged to the EOS Group. In May 2015, EOS acquired the Swisscom debt collection subsidiary Alphapay . At the end of 2015, EOS and Euler Hermes Bürgel sold to CRIF. EOS strengthened its market position in France and Belgium with the purchase of Contentia in 2016 . In 2016, EOS also took on the implementation of outstanding claims from the Wittenberg district as an administrative assistant , and in the same year the company worked for the Federal Employment Agency . The city of Essen also commissioned three collection service providers in 2016, including EOS. On March 1, 2017, Klaus Engberding took up the position of Chairman of the Management Board of EOS Holding GmbH. He replaced Hans-Werner Scherer, who had led the group since 1998, initially as spokesman for the board of directors, and from 2003 as chairman of the holding. At the end of 2018, the group sold Health AG and Schweizer Zahnärztekasse AG to the Austrian banking group BAWAG PSK

present

Range of services and customers

The EOS Group offers financial services internationally. The focus is on receivables management. The focus is on the three business areas of fiduciary collection, debt purchase and business process outsourcing . According to its own information, EOS looks after around 20,000 customers. They primarily include companies in mail order and online trading , banking , the telecommunications industry , utilities , the real estate industry and the public sector .

Organization and locations

EOS is one of the Otto Group companies . According to their information, it shapes the financial services segment within the group. EOS is considered very profitable in the group . At the end of February 2020, there were more than 60 operational companies in the EOS Group. It has established locations in the following countries :

According to its own information, EOS and its 83 partner organizations cover more than 180 countries.

Leadership and employees

Klaus Engberding has been Chairman of the Management Board, which Justus Hecking-Veltman, Andreas Kropp, Marwin Ramcke and Andreas Witzig also belong to since March 1, 2017. As of February 29, 2020, 7,578 people were working in the group's companies.

Fiscal year and numbers

The EOS financial year begins - like that of the Otto Group - on March 1st. It ends on February 28 of the following year, in leap years on February 29.

Key figures of the EOS Group (in million euros)
Positions 2016/17 2017/18 2018/19 2019/20
sales 663.8 795.0 813.7 853.1
EBITDA 222.6 279.8 283.6 343.4
Annual surplus 173.2 237.6 234.2 269.9
Total assets 1,526.3 1,754.4 2,214.3 2,202.8
Equity 446.0 524.0 634.4 737.2
Equity ratio (in%) 29.2 29.9 28.7 33.5

perception

Rating

Euler Hermes Rating awarded EOS Holding an A rating for the 16th time in a row in the 2019/2020 financial year .

Image campaign

In 2017, EOS started a campaign to improve the image of debt collection. The group of companies understood this campaign as an offer of dialogue, even with critical voices. Trade and general media reported on it.

criticism

The press occasionally criticizes the debt collection practice of companies in the EOS Group. This criticism relates to the claiming of amounts that are several decades old, to claims despite incorrectly delivered invoices or to fees that are very high or are in doubt. However, EOS is regarded by debt advisors as "a provider about which there are few complaints".

additional

Studies on payment behavior and financing channels

EOS has been conducting studies on payment behavior in various European countries for many years . In addition, EOS examines payment behavior by comparing specifically selected countries or the payment behavior of defined groups, for example companies in Germany.

In 2003, EOS sponsored the implementation of a study at Heinrich Heine University in Düsseldorf on new ways of financing medium-sized companies . This resulted in an “EOS Finance Panel” that was operated for several years and examined and presented the use of various financial instruments.

Data theft 2017

In April 2017, around 33,000 files from EOS Schweiz AG came into the hands of the Süddeutsche Zeitung . Among other things, it is said to have dealt with sensitive and illegal personal data such as medical files , correspondence and credit card statements with the names of creditors and debtors , their registration addresses and information about the amount of outstanding claims. The newspaper said it received the data from an informant . This in turn reported that they had been captured by hackers who had used a vulnerability in the server software. EOS closed the security gap and announced a revision of the processes.

building

lili rere
Buildings in Hamburg
Buildings in Prague

The headquarters of EOS is in Steindamm , a street in the Hamburg district of St. Georg . This property belonging to the Karl and Rudolf Förster heirs was designed by Adolf Böhringer, built from 1966 to 1967, laterally expanded in 2003 and energetically renovated in 2011 .

The building in which the Czech subsidiary EOS KSI Česká republika, sro resides, was constructed from 1955 to 1958 in Prague according to plans by the architect Karel Prager . It initially housed a communication research center named after Alexander Popov .

Representation of interests in associations

The group is active in many professional associations:

  • EOS is a member of the Federation of European National Collection Associations (FENCA), Rayna Mitkova-Todorova (managing director of EOS Bulgaria) is a member of the executive committee of this association. She is also the President of the Bulgarian Debt Collection Association ACABG.
  • In Germany, EOS is a member of the Federal Association of German Debt Collection Companies (BDIU). Kirsten Pedd, the company's chief syndicate , has been the association's president since April 2016. She is also involved in the Presidium of the Federal Association of Wholesale, Foreign Trade, Services (BGA) and on the board of SRIW e. V. ( self-regulation in the information economy ).
  • The Slovak EOS Managing Director Michal Šoltes is President of the Association of Slovak Debt Collection Companies (ASINS).
  • The Romanian EOS Managing Director Georg Kovacs is President of the Romanian industry association AMCC.
  • Vladimír Vachel, Managing Director of EOS Czech Republic, is Vice President of the local debt collection association Asociace inkasních agentur (AIA).
  • In France, EOS provides Nathalie Lameyre, Honorary President of the debt collection association, Fédération Nationale de l'Information d'Entreprise, de la Gestion de Créances et de l'Enquête civile (FIGEC).

attachment

literature

  • EOS Holding GmbH & Co. KG: EOS 10 years. EOS - a success story . o. O., o. J. [Hamburg 2010].
  • German debt collection service: 25 years of success and innovation. 1974-1999. The Chronicle . o. O., o. J. [Hamburg 1999].

Web links

Individual evidence

  1. ↑ Debt collection group Eos increases profit by eight percent . In: Hamburger Abendblatt , July 18, 2017.
  2. ↑ a b c d e f g h EOS Annual Report 2019/2020. In: EOS website. Retrieved July 22, 2020 .
  3. ↑ Carsten Dierig: Delinquent customers are a warning sign of economic problems. In: The world . June 22, 2016. Retrieved February 24, 2018 .
  4. ↑ OTTO Versand Hamburg :: OTTO '75. Report for the financial year March 1, 1975 - February 29, 1976 . Ed .: OTTO Versand. S. 38 .
  5. ^ German debt collection service: 25 years of success and innovation , p. 6.
  6. ↑ OTTO VERSAND (GmbH & Co. KG) Hamburg: OTTO '77. Report on the financial year March 1, 1977 to February 28, 1978 , p. 38.
  7. ^ German debt collection service: 25 years of success and innovation , p. 28.
  8. ↑ Jan de Leur: Collector . In: BAG -Handelsmagazin , 3/1993, p. 36 f.
  9. ↑ OTTO '81. Annual report. March 1, 1981 to February 28, 1982 .
  10. ↑ OTTO VERSAND HAMBURG: Annual Report March 1, 1986 to February 28, 1987 , p. 38.
  11. ↑ German debt collection service: 25 years of success and innovation , p. 31.
  12. ↑ Norbert Vojta: “We do not exert any pressure”. In: Welt am Sonntag . August 28, 2016. Retrieved February 24, 2018 .
  13. ↑ a b Otto: Annual Report 1990. March 1, 1990 to February 28, 1991, p. 20 f.
  14. ↑ Otto: Annual Report 1992. March 1, 1992 to February 28, 1993, p. 22 f. and p. 40.
  15. ↑ Otto: Annual Report 1993. March 1, 1993 to February 28, 1994, p. 13 and p. 24.
  16. ↑ EOS Solutions UK Plc - the right decision. EOS Solutions UK, archived from the original on April 28, 2018 ; Retrieved on February 22, 2018 (information from company website).
  17. ↑ German debt collection service: 25 years of success and innovation , p. 42.
  18. ^ German debt collection service: 25 years of success and innovation , p. 43.
  19. ^ German debt collection service: 25 years of success and innovation , p. 49.
  20. ↑ German debt collection service: 25 years of success and innovation , p. 54.
  21. ↑ 75 years of company history at EOS mercator inkasso . In: tw - topic economy (magazine of the Lower Rhine Chamber of Commerce and Industry Duisburg-Wesel-Kleve zu Duisburg ), 2009, issue 01–02, p. 29.
  22. ↑ Insights. The EOS Group in 2004/05 . Hamburg 2005, p. 19.
  23. ↑ Michael Schneider: Bürgel credit agency is 125 years old. In: The world. June 1, 2010, accessed February 23, 2018 .
  24. ↑ EOS Holding GmbH & Co. KG: EOS 10 years. EOS - a success story , p. 9 and fold-outs .
  25. ↑ CRIF Decisionline makes decision for Rosenbauer Solbach. In: new-business.de. May 17, 2000, Retrieved April 25, 2018 .
  26. ↑ Otto Group: Annual Report 2003, p. 37.
  27. ↑ Hans-Jörg Werth: Subscribed to growth. A team boss with a vision: Hans-Werner Scherer, head of the Hamburg financial service provider EOS, wants to increase sales fivefold by 2010 . In: Welt am Sonntag , January 13, 2002.
  28. ↑ EOS in Germany: Our experience for your success. In: EOS website. Retrieved February 23, 2018 .
  29. ↑ Volker Mester: The debt collection giant. Hamburger EOS now also active in the USA . In: Hamburger Abendblatt , March 23, 2001.
  30. ↑ Inkasso-Holding EOS continues to grow . In: Die Welt , March 24, 2001.
  31. ↑ EOS Holding GmbH & Co. KG: EOS 10 years. EOS - a success story , p. 62.
  32. ↑ Insights. The EOS Group in 2004/05 . Hamburg 2005, p. 27.
  33. ↑ Insights. The EOS Group in 2003/04 . Hamburg 2004, p. 24.
  34. ↑ Grit Beecken: barter deals . In: Financial Times Deutschland , May 3, 2007.
  35. ↑ Germans save on co-payments for their teeth. In: The world. August 4, 2009. Retrieved February 23, 2018 .
  36. ↑ Financial service provider EOS is active in the Greek market. In: The world. July 20, 2005, accessed February 23, 2018 .
  37. ↑ EOS Group grows by three percent . In: cash-online.de , September 7, 2006.
  38. ↑ EOS Group grows to more than EUR 200 million . In: Der Versandhausberater , September 21, 2006.
  39. ↑ PPE Group cooperates with EOS . In: Der Versandhausberater , July 13, 2007.
  40. ↑ EOS cooperates with Fortis in Benelux . In: Der Versandhausberater , December 14, 2007.
  41. ↑ EOS takes over majority in CoXulto . In: Der Versandhausberater , January 18, 2008.
  42. ↑ COXULTO. EOS takes over the majority of the address service provider. In: ONEtoONE , January 28, 2008.
  43. ↑ Insights. The EOS Group in 2008/08 . Hamburg 2009, pp. 38–40.
  44. ↑ El Banco Pastor vende la compañía de Acción y Cobro LOGRA 21 millones en plusvalías. In: El Confidencial. September 8, 2009, accessed February 23, 2018 .
  45. ^ EOS acquires Spanish agency . In: Credit Today GBR , October 1, 2009.
  46. ↑ EOS is founded for debt collection in Croatia . In: Versandhausberater.de , May 8, 2009.
  47. ↑ Michael Schneider: Otto subsidiary EOS acquires majority in financier WCF. In: The world. October 24, 2009, accessed February 23, 2018 .
  48. ^ Philipp Habdank: The crux of the credit rating . In: Markt und Mittelstand , September 1, 2017.
  49. ↑ a b EOS Group publishes business figures and receives A rating . In: Versandhausberater.de , September 3, 2010.
  50. ↑ Michael Schneider: Debt collection company EOS. Otto daughter is now also collecting debts in Ukraine. In: The world. November 30, 2010, accessed February 23, 2018 .
  51. ↑ EOS founds a company in Ukraine . In: Versandhausberater.de , December 3, 2010.
  52. ↑ Otto subsidiary EOS continues to grow abroad . In: Die Welt , September 20, 2011.
  53. ↑ Information on the company's history on the company's website, accessed on February 23, 2018.
  54. ↑ Collection. EOS group buys in France. In: The world. April 29, 2011, accessed February 23, 2018 .
  55. ↑ Otto subsidiary Eos expands to Canada . In: Hamburger Abendblatt , November 9, 2011.
  56. ↑ Market Notes . In: Real Estate & Financing - The Long-Term Loan , February 1, 2013, p. 104.
  57. ↑ a b c d Henryk Hielscher: Debt collection ... I think it's good. In: Wirtschaftswoche (online). May 21, 2013, accessed February 23, 2018 .
  58. ↑ Eos takes over debt collection company from Deutsche Telekom. In: NPL library (portal of the Federal Association of Credit Purchasing and Servicing e.V.). Retrieved February 23, 2018 .
  59. ↑ Check locations. EOS helps retail companies willing to expand . In: Bayerische Staatszeitung , September 6, 2013.
  60. ↑ Swisscom. Vente d'Alphapay . In: 24 heures , May 5, 2015.
  61. ↑ M&A Review , Volume 26, 6/2015, p. 265.
  62. ↑ Italians buy the Hamburger Bürgel Group . In: Hamburger Abendblatt , December 22, 2012.
  63. ↑ Bürgel credit agency goes Italian . In: Ostfriesischer Kurier , December 24, 2015.
  64. ↑ Debt collection service Bürgel is sold to Italy . In: Frankfurter Allgemeine Zeitung , January 5, 2016.
  65. ^ Contentia France SASU. In: mergr.com. Retrieved February 24, 2018 .
  66. ↑ Marcel Duclaud: Finance district Wittenberg: professionals help collect debts. In: Mitteldeutsche Zeitung . March 21, 2016, accessed February 24, 2018 .
  67. ↑ Debt collection companies for BA on the go . In: Neue Osnabrücker Zeitung , October 20, 2016.
  68. ↑ Federal agency uses debt collection companies . In: Winsener Anzeiger , October 21, 2016.
  69. ^ Valerie Höhne: Employment agency commissions debt collection agencies. Collect money for the job center. In: The daily newspaper . October 31, 2016, accessed February 24, 2018 .
  70. ↑ Beate Behnke-Hahne: Testing the cooperation. Pilot project of the city of Essen with external service providers . In: Authorities Spiegel , November 8, 2017.
  71. ↑ Personal details . In: Lebensmittel Zeitung , July 8, 2016.
  72. ↑ For his person see in particular Hans-Jörg Werth: Subscribed to growth. A team boss with a vision: Hans-Werner Scherer, head of the Hamburg financial service provider EOS, wants to increase sales fivefold by 2010 . In: Welt am Sonntag , January 13, 2002. Furthermore, Hans-Werner Scherer was born on May 24, 1954 in Neukirchen… In: Welt am Sonntag. August 28, 2016. Retrieved February 24, 2018 .
  73. ↑ Insights. The EOS Group in 2003/04 . Hamburg 2004, p. 30.
  74. ↑ Bawag enters dental factoring . In: Börsen-Zeitung of December 22, 2018.
  75. ↑ Programmed for the future. Insights. The EOS Group in 2016/17, p. 47 (electronic pagination). (PDF) EOS Holding GmbH, February 2017, accessed on July 25, 2018 (annual report).
  76. ↑ a b Debt collector with image problem. One of the largest debt collection companies in Germany tries to improve the reputation of its craft . In: Frankfurter Allgemeine Zeitung , May 17, 2017.
  77. ↑ Volker Mester: Otto daughter wants to improve debt collection image. Hamburg-based company Eos is fighting against the image of violent debt collectors and is creating more than 100 new jobs . In: Hamburger Abendblatt , May 22, 2017.
  78. ↑ Overview of these companies on the Otto Group website , accessed on February 24, 2018.
  79. ↑ Otto Group: Annual Report 2016/17 , p. 79, accessed on February 24, 2018.
  80. ^ Frank Doll, Anton Riedl, Heike Schwerdtfeger, Niklas Hoyer: The investment tips of the week. Actelion is a growth stock, Otto earns money with debt collection and Burford shines. Shares, bonds and funds for private investment. In: Wirtschaftswoche. June 25, 2016. Retrieved February 25, 2018 .
  81. ↑ Company website , information from company website, accessed July 25, 2018.
  82. ↑ EOS Group: EOS Insights 2017/2018. In: EOS Solution. EOS Holding GmbH, July 16, 2018, accessed on July 31, 2019 . ; EOS annual report 2018/2019. In: EOS website. Accessed July 31, 2019 . ; EOS annual report 2019/2020. In: EOS website. Retrieved July 22, 2020 .
  83. ↑ Financial investor EOS receives A rating. In: goingpublic.de. July 2, 2020, accessed July 22, 2020 .
  84. ↑ Make debt collection so nicer . In: Advertise & Sell , February 13, 2017.
  85. ↑ Georgina Bott: "On Inkasso Art" - great cinema against clichés. In: marconomy.de. March 17, 2017. Retrieved February 25, 2018 .
  86. ↑ Jürgen Hoffmann: Image campaign from debt collection company triggers Shitstorm. In: The world. March 14, 2017. Retrieved February 25, 2018 .
  87. ↑ Georgina Bott: "On Inkasso Art" - interview on the campaign. "We have learned that courage pays off!" In: marconomy.de. May 12, 2017. Retrieved February 25, 2018 .
  88. ↑ Oliver Meyer: Grandma Biggi and the Otto madness . In: Express , June 9, 2013.
  89. ↑ Oliver Meyer: Debt collection fraud: Another victim . In: Express , June 17, 2013.
  90. ↑ a b Debt collection madness . In: Computer Magazin für Praxis , November 3, 2016, p. 34 f.
  91. ↑ Georg Schnurer: In the trap. Court order for payment despite a dubious claim . In. c't , May 27, 2017, p. 68.
  92. ↑ Thomas Öchsner: Soul massage for poor swallowers . In: Donaukurier , January 18, 1993.
  93. ^ Anne Kunze: The business with fear. In: Die Zeit (online). October 8, 2015, accessed February 26, 2018 .
  94. ↑ Peter Zwegat praised EOS Group companies as reliable and cooperative. See EOS Holding GmbH & Co. KG: EOS 10 years. EOS - a success story , p. 25.
  95. ↑ More and more consumers are over-indebted . In: Leipziger Volkszeitung , September 18, 2003.
  96. ↑ Eastern Europeans are "good debtors". In: The Standard . September 13, 2010, accessed February 24, 2018 .
  97. ↑ Less poor debtors . In: Süddeutsche Zeitung , January 31, 2008.
  98. ↑ Less socially disadvantaged among the debtors . In: Der Tagesspiegel , January 31, 2008.
  99. ↑ EOS Four-Country Study: How Europeans Pay. Between upswing and bankruptcy . In: Der Creditmanager , October 15, 2008.
  100. ↑ Debt collection: women pay earlier . In: Impulse , January 1, 2009.
  101. ↑ Young people less often in debt . In: Ruhr Nachrichten , January 15, 2009.
  102. ↑ Good South. Payment behavior: Many companies fear an increasing number of unpaid claims . In: Wirtschaftswoche , July 27, 2009.
  103. ↑ Carsten Dierig: Every fourth bill paid too late. In: The world. August 4, 2014, accessed February 24, 2018 .
  104. ↑ Marc Beise: Delinquent blessed. Every sixth German pays bills too late - or not at all . In: Süddeutsche Zeitung , August 8, 2014.
  105. ↑ Payment behavior in Germany is falling significantly. In: Mittelstandinbayern.de. November 26, 2014, accessed February 24, 2018 .
  106. ↑ Carsten Dierig: Delinquent customers are a warning sign of economic problems. In: The world. June 22, 2016. Retrieved February 24, 2018 .
  107. ↑ Gerhard and Lore Kienbaum Foundation. Jochen Kienbaum , Christoph J. Börner (Ed.): New ways of financing for medium-sized companies. From the necessity to the design forms . Gabler, Wiesbaden 2003, ISBN 3-409-12477-2 ( EOS is mentioned as a partner ).
  108. ↑ Hans-Werner Scherer: EOS Finance Panel: SME Financing Under the Magnifying Glass . In: Controlling & management review. Journal for Controlling & Management , Volume 49 (2005), Issue 6, pp. 388–393.
  109. ↑ EOS Finance Panel: German SMEs are increasingly relying on long-term loans . In: VerkehrsRundschau , 10/2007, p. 41.
  110. ↑ EOS Holding GmbH & Co. KG: EOS 10 years. EOS - a success story , p. 31.
  111. ↑ Simon Hurtz, Kristiana Ludwig, Hakan Tanriverdi: Serious data leak reveals tens of thousands of debtor data. In: Süddeutsche Zeitung. December 27, 2017. Retrieved February 23, 2018 .
  112. ↑ Hackers loot tens of thousands of data from debt collection company. In: Die Zeit (online). December 27, 2017. Retrieved December 27, 2017 .
  113. ↑ Marcel Gyr: Doctors pass on sensitive data. In: Neue Zürcher Zeitung . December 28, 2017. Retrieved February 28, 2018 .
  114. ↑ Kristina Ludwig, Hakan Tanriverdi, Simon Hutz: Debt collection agency stores entire medical histories . In: Tages-Anzeiger , December 28, 2018.
  115. ↑ Website for the office building on Steindamm, accessed on May 30, 2018.
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  118. ↑ Overview of the members of the FENCA Presidium , accessed on April 25, 2018.
  119. ↑ Information on Rayna Mitkova-Todorova on the ACABG website, accessed on April 25, 2018.
  120. ↑ Kirsten Pedd elected to the top of the debt collection industry - industry association BDIU is celebrating its anniversary under the motto "60 years of responsibility". In: inkasso.de. April 21, 2016. Retrieved April 25, 2018 .
  121. ↑ Overview of the Presidium of the BGA , accessed on April 25, 2018.
  122. ↑ Information about the board of directors of SRIW , accessed on April 25, 2018.
  123. ↑ Information on the management of the Slovak subsidiary ( memento of April 28, 2018 in the Internet Archive ), accessed on April 25, 2018.
  124. ↑ Information on the organs of ASINS , accessed on April 25, 2018.
  125. ↑ Information about Kovacs at Bloomberg , accessed April 25, 2018.
  126. ↑ Overview of the AMCC association , accessed on April 25, 2018.
  127. ↑ Vladimír Vachel, EOS KSI ČR: Cílem je efektivní správa pohledávek. In: cfoworld.cz. May 13, 2013, accessed April 25, 2018 .
  128. ↑ Information about the AIA bodies , accessed on April 25, 2018.
  129. ↑ Overview of the leadership of FIGEC , accessed on April 25, 2018.