EOS France manage your receivables
in France and worldwide.
The EOS Group is a world leader in receivables management. Whether on its own behalf or on behalf of third parties, EOS manages receivables in the way that is best for you and your debtors. Present in more than 20 countries via its subsidiaries and partners, the EOS Group has more than 6,000 employees.
For over 30 years in France, EOS has been putting its operational expertise at the service of companies so that they can concentrate on their core business. Our customers are major players in a wide range of sectors, including banking, energy, telecoms, real estate and insurance.
More than 600 employees work at our 5 sites in France (Paris, Nantes, Pau, Lille and Papeete (Tahiti)), as well as internationally.
For over 30 years in France, EOS has been putting its operational expertise at the service of companies so that they can concentrate on their core business. Our customers are major players in a wide range of sectors, including banking, energy, telecoms, real estate and insurance.
More than 600 employees work at our 5 sites in France (Paris, Nantes, Pau, Lille and Papeete (Tahiti)), as well as internationally.
EOS France management team
Nathalie Lameyre
President
Nathalie Lameyre spent 11 years with the BNP Paribas banking group, where she held various positions. She has chaired EOS France since 1998. Nathalie Lameyre is a graduate of ESSEC. She was President of FIGEC (Fédération Nationale de l'Information d'Entreprise, de la Gestion de Créances et de l'enquête civile) for 11 years, before becoming its Honorary President.
Matthieu Delavenne
Managing Director
Matthieu Delavenne helped set up Credirec, the Group's first company in France, in 1993. Managing Director of EOS France since 1995, he has been involved in every major stage of the company's development.
EOS France: over 30 years of expertise
An experienced and reliable partner
- 1993: Creation of Credirec
- 1995: Creation of Contentia
- 2001: Creation of SIP
- 2011: Credirec acquired by the EOS Group and becomes EOS Credirec
- 2016: EOS Credirec acquires Contentia
- 2019: EOS Contentia and EOS Credirec become EOS France
- 2024: EOS France is licensed by the ACPR (French supervisory authority)
Our quality approach
Our approach to debt collection has naturally led us to commit to a service certification process. EOS France is committed to the Human For Client (HFC) label, and also holds Qualicert service certification for its amicable and judiciary debt collection activities at its Wasquehal site.
The HFC label
The aim of the “Human For Client” (HFC) label is to recognize and distinguish companies that respect a code of good social conduct in their customer relations, in terms of HR management, social dialogue, societal commitment, commercial practices, respect for the environment and mode of governance. It is awarded for a period of 3 years by a joint committee based on the conclusions of an audit carried out by the INRC (Institut National de la Relation Client).
In 2023, all EOS France sites obtained the renewal of their HFC label, valid until 2026.
Our commitments:
In 2023, all EOS France sites obtained the renewal of their HFC label, valid until 2026.
Our commitments:
- To provide our customers with the best solutions for recovering unpaid debts, while preserving their business relationships and brand image.
- Pursue our responsible approach to debt collection to guarantee a high level of satisfaction for our employees, our customers and their debtors.
- Maintain a relationship of trust and act responsibly, respecting all stakeholders.
- Quality HR practices, constructive social dialogue and strong ethical practices.
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Qualicert certification
QUALICERT service certification is recognition by an independent third-party organization of our commitment to providing our customers with quality services, meeting the characteristics defined in a set of standards that reflect 39 strong commitments. These service commitments are drawn up in consultation with the public authorities, our customers and our professional representatives.
The main certified features:
The main certified features:
- We cultivate performance and collective success around targeted, adjustable operational objectives.
- We implement a progressive reminder process designed to engage the customer in a payment and/or contact process for each activity.
- Our debtor clients have access to information on their situation 24/7 via the Internet.
- Our 1st actions are triggered on D+1 upon receipt of the file to be collected.
- We evaluate and propose appropriate settlement solutions to our customers.
- We train our staff in the French Data Protection Act (Loi Informatique et Libertés) and ensure compliance with regulations governing personal data.
- We measure the level of satisfaction of our clients in order to improve the quality of our services.
- We measure the level of satisfaction of our debtor customers to enable them to settle their outstanding debts under the best possible conditions.
- We ensure that every employee is committed to respecting the company's Code of Ethics.
Gender equality in the workplace index
98/100 is the gender equality index obtained by EOS France in 2025 for the year 2024. The Professional Equality Index enables companies to measure the pay gap between men and women. The Index is a score out of 100 points, calculated each year on the basis of 4 or 5 indicators, depending on the size of the company.
Regulations and ethics
Third-party debt collection
EOS France complies with the obligations set out in articles R124-1 to R124-7 of the French Code of Civil Enforcement Procedures, applicable to third-party debt collection companies:
- Declaration to the Public Prosecutor
- Appropriate professional liability insurance coverage
- Bank accounts exclusively dedicated to receiving funds collected on behalf of creditors
- Systematic dispatch of an initial information letter, including the compulsory details specified in the French Code of Civil Enforcement Procedures, and those relating to Data Protection regulations
- Send a final statement of account
- Prohibition on charging debtors any fees other than those provided for by law.
Purchase of receivables
EOS France is approved as a Credit Manager for the collection of receivables falling within the scope of the European Directive of November 24, 2021, transposed into French law by the Ordinance of December 6, 2023 and its implementing decree of December 20, 2023.
This includes all bank receivables:
As such, EOS France complies with the following obligations, among others:
This includes all bank receivables:
- assigned since 12/31/2023 to EOS France by a credit institution or finance company and for which EOS France manages collection on its own behalf ;
- or managed by EOS France on behalf of a credit buyer, for receivables assigned by a credit institution or finance company since 12/31/23.
As such, EOS France complies with the following obligations, among others:
- Systematic dispatch of an initial information letter including the compulsory details specified in the French Monetary and Financial Code and those relating to the French Data Protection Act (Informatique et Libertés)
- Hive-off account exclusively dedicated to the receipt of funds collected on behalf of loan buyers
- Systematic transmission of an acknowledgement of receipt for all payments
- Compliance with the obligations relating to the fight against money laundering and the financing of terrorism set out in the French Monetary and Financial Code
- Implementation of a transparent and free complaints handling system
Civil investigations
Employees working in the field of missing debtor searches are accredited as Civil Investigators - “ARP” - by the Conseil National des Activités de Sécurité Privée, under the supervision of the French Ministry of the Interior. Regulated by Book VI (Titles II and III) of the French Internal Security Code.
EOS France is authorised to operate as a Private Investigation Agency Authorisation no. AUT-075-2119-01-28-20200385571 issued by the CNAPS on 28 January 2020
SIP - Société d'Investigation Privée is authorised to operate as a Private Investigation Agency, authorisation no. AUT-075-2112-12-25-20130361445 issued by the CNAPS on 26 December 2013.
EOS France is authorised to operate as a Private Investigation Agency Authorisation no. AUT-075-2119-01-28-20200385571 issued by the CNAPS on 28 January 2020
SIP - Société d'Investigation Privée is authorised to operate as a Private Investigation Agency, authorisation no. AUT-075-2112-12-25-20130361445 issued by the CNAPS on 26 December 2013.
Data privacy
EOS France processes personal data in compliance with current laws and regulations on the protection of personal data. For more information, please consult our privacy policy.
Check our data privacy policy
Our ethics charter
EOS France has drawn up its own code of ethics, which applies contractually to all its employees and suppliers.
Relevant legislative texts
- Articles R124-1 à R124-7 du code des procédures civiles d’Exécution
- Ordonnance n° 2023-1139 du 6 décembre 2023 relative aux gestionnaires de crédits et aux acheteurs de crédits
- Décret n° 2023-1211 du 20 décembre 2023 relatif aux gestionnaires de crédits et aux acheteurs de crédits
- Copie de l'accord entre ASF et associations de consommateurs
- Extrait du code de la sécurité intérieure - Livre VI, titres II et III
- Loi Informatique et Libertés
- Règlement général sur la protection des données (RGPD)
FIGEC
EOS France has been a member of FIGEC (Fédération Nationale de l'Information d'Entreprise, de la Gestion de Créances et de l'enquête civile) since 1997. It respects and applies the provisions of the charter of good conduct signed between the ASF (Association française des Sociétés Financières) and Consumer Associations.
The ethical charter imposes strict conditions on its members in terms of statutes, skills, financial guarantees and insurance.
This charter guarantees :
The ethical charter imposes strict conditions on its members in terms of statutes, skills, financial guarantees and insurance.
This charter guarantees :
- Transparency of transactions.
- Protection of beneficiaries' interests.
- Respect for debtors, contractual relations and legal and regulatory obligations.
- Professionalism, credibility and representativeness of the profession.
EOS Group, a subsidiary of the Otto Group
EOS is part of the Otto Group, one of the world's leading distance-selling companies, present in 30 countries in Europe, the United States and Asia. Today, the Otto Group employs 38,000 people and brings together more than 30 brands operating in sectors such as logistics, distribution, e-commerce and financial services. The Otto Group has announced sales of 15 billion euros for its 2023-2024 financial year. A single mindset unites all the group's companies: to provide the best services, responsibly, and to link quality with innovation on a daily basis.
