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.
A green world flourishes with plants as two individuals promote sustainability - one painting a heart, the other standing on a small ladder, symbolizing care and progress.


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 sitting in front of a white wall with an EOS logo

Sustainability Strategy and Goals

Receivables management means taking responsibility

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.

Our special concerns are divided into four fields of action within our CR strategy: Responsible collection, Joint progress, Financial sustainability and Environmental protection.
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.

Materiality as starting point for our sustainability strategy

EOS further elaborated its CR strategy with the involvement of internal and external experts and developed a materiality matrix in 2022. It represents the most important sustainability topics for our external stakeholders, as well as for EOS, and forms the basis for the future direction of EOS' sustainability strategy.

Global responsibility: The UN Global Compact

Overview of eight UN Global Compact icons showing #3 good health and well-being, #4 quality education, #5 gender equality, #10 reduced inequalities, #16 peace, justice and strong institutions, #17 partnerships for the goals, #13 climate actions.
The EOS Group joined the United Nations Global Compact, the world’s largest pact for corporate responsibility, in 2021. As a member, we pledge our commitment to the compact’s 10 principles on human rights, labor, environment and anti-corruption. Each new member first must derive its own goals from the 10 principles. We did so in the past year, identifying our goals from the UN’s 17 Sustainable Development Goals (SDGs) to which we can make the most effective contribution. The SDGs we selected, along with the associated key figures and goals are important benchmarks in our corporate responsibility strategy. As required by the Compact, we will report on our progress once a year in our “Communication on Progress” (COP).

News and Activities

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


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.
Label of 2023 gold ecovadis Sustainablility rating

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.
Illustration of four people celebrating a five star rating

Acknowledged with an excellent ESG risk rating from Morningstar Sustainalytics

In December 2023, the EOS Group received an ESG risk rating from renowned rating agency Morningstar Sustainalytics. They gave us a score of 10.2 (low risk), which puts us among the top two percent in the "Consumer Finance" sector.

"With the independent ESG rating, we are making our contribution to sustainable development transparent. The top ranking shows that our corporate responsibility strategy is successful and that we are very well positioned in many areas," CEO Marwin Ramcke explains.

Together with our partners, customers and the future generation, we are shaping a world in which sustainability is a priority for everyone.

ESG stands for "Environment", "Social" and "Governance".
Lire le communiqué de presse sur la notation EOS
Badges: ESG Regional top rated & ESG Industry top rated - Morningstar Sustainalytics

Learn more about our fields of action

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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

Additional material and content

Do you have questions about our CR strategy? We will be happy to answer them!

Gabrielle Cassard, CSR Project Manager, EOS France

Gabrielle Cassard

Quality & CSR Project Manager

EOS France

Le Montana A 2 rue Château de l'Eraudière BP 10695

44306 Nantes CEDEX 3

Phone: + 33 2 51 89 20 57

 Matthieu Aragou, Responsable Contrôle Interne – Qualité & RSE, EOS France

Matthieu Aragou

Head of Internal Control - Quality & CSR

EOS France

Le Montana A 2 rue Château de l'Eraudière BP 10695

44306 Nantes CEDEX 3

Phone: + 33 2 51 89 20 70

Mobile: + 33 7 61 83 62 73