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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.
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Intro

Nathalie Lameyre, President of EOS France Group 

"For 30 years now, we have been managing debt for both ourselves and others, making a point to continuously offer tailored solutions to all: 

  • We forge long-term relationships with our creditor partners to help them clean up their balance sheet. 
  • We prioritise dialogue and amicable, sustainable solutions with our debtor clients. 
  • We guarantee career development opportunities for our staff, supported by our continuous training policies and gratifying workplace organisation. 
In short, our approach is both responsible and sustainable, rooted in excellence."
Nathalie Lameyre, Managing Director EOS France
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Our four fields of action

Our four fields of action in our corporate responsibility strategy.

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CR Model describing the four fields of action: <br/>Changing for the better: EOS is improving the financial situation of clients, business partners and defaulting payers and is striving to change the world in which we work for the better.<br/>Responsible collection: “How can we change debt-filled lives for the better?” EOS stands for respectful and fair treatment of consumers and for solution-driven sustained debt relief.<br/>Joint progress: “How can we change society for the better?” We take on social responsibility within the EOS Group by promoting empowerment, diversity and inclusion, and in society through our education initiatives.<br/>Environmental protection: “How can we change climate for the better?” EOS supports the Otto Group’s climate protection strategy that pursues the Paris Agreement goal to limiting global warming to 1,5 C. together we work on implementing targeted measures. <br/>Financial Sustainability: “How can we change the debt collection business for the better?”<br/>EOS advocates strong binding industry standards and responsibility guidelines. We apply strict criteria when we price portfolio purchases and make other investments.
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CR Model describing the four fields of action: <br/>Changing for the better: EOS is improving the financial situation of clients, business partners and defaulting payers and is striving to change the world in which we work for the better.<br/>Responsible collection: “How can we change debt-filled lives for the better?” EOS stands for respectful and fair treatment of consumers and for solution-driven sustained debt relief.<br/>Joint progress: “How can we change society for the better?” We take on social responsibility within the EOS Group by promoting empowerment, diversity and inclusion, and in society through our education initiatives.<br/>Environmental protection: “How can we change climate for the better?” EOS supports the Otto Group’s climate protection strategy that pursues the Paris Agreement goal to limiting global warming to 1,5 C. together we work on implementing targeted measures. <br/>Financial Sustainability: “How can we change the debt collection business for the better?”<br/>EOS advocates strong binding industry standards and responsibility guidelines. We apply strict criteria when we price portfolio purchases and make other investments.

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

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Joint progress

We take on social responsibility within the EOS Group by promoting empowerment, diversity and inclusion, and in society through our educational initiatives.
Learn more about Joint Progress
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Environmental protection

As a strong member 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
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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
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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.
Insignes : Meilleur classement sectoriel ESG & Meilleur classement régional ESG<br/>Copyright @2025 Morningstar Sustainalytics. Tous droits réservés

Human for Client

EOS France is proud to have been awarded the “Human for Client” CSR label. This achievement recognises and highlights companies that follow good social practices in terms of HR management, social dialogue, work for the benefit of society, business practices, care for the environment, and governance methods in all its customer relationships. The label is awarded for three years by a joint committee based on the conclusions of a third-party on-site audit

EcoVadis

EOS France has renewed its EcoVadis gold medal in 2023 (for the third year in a row), placing it among the top 5% of assessed companies.

In support of its responsible approach and with a view to affirming the quality of its commitments, EOS France called on EcoVadis to assess its work. The EcoVadis score considers the following categories: Environment, Labour and Human Rights, Ethics, and Sustainable Procurement.
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By 2023, 100% of partners were satisfied with EOS France's services.

EOS France conducts an annual customer survey to measure their level of satisfaction with the services provided from an operational, business, technology and performance monitoring standpoint.
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Sustainability Strategy and Goals

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

  • 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.

  • 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

  • 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:
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Additional material and content

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