EOS Solutions UK

What EOS Solutions UK does

EOS Solutions UK Plc is the United Kingdom subsidiary of EOS Group, a Germany-headquartered receivables management company owned by the Otto Group. Founded in 1972 and based in Warrington, the firm is authorised and regulated by the Financial Conduct Authority (FRN 631186) and operates as a public limited company registered in England and Wales. The UK business sells five core services to enterprise clients: debt purchase (acquiring receivables portfolios at negotiated prices and assuming non-payment risk), debt collection (multi-channel B2B and B2C recovery), international debt recovery (cross-border mandates via Cross-Border and Shared-Service Solutions across more than 180 countries), professional arrears management, and recovery services. Customers include banks, insurers, loan providers, B2C firms (utilities, telecoms, e-commerce), and B2B companies; named enterprise clients include Hertz and Commerzbank.

The underlying technology stack combines AI, Robotic Process Automation, data analytics, and proprietary platforms. Kollecto+ is a web-based, cloud-ready digital collection system deployed across 12 countries and adopted by nearly half of EOS national subsidiaries. The EOS Global Collection Platform enables automated case transmission and real-time communication across 140 countries. Additional capabilities include the Iron EOS Cyber Shield for data protection, AI-powered portfolio valuation algorithms, predictive debtor categorisation models, automated vulnerability detection, and access to parent Otto Group's ogGPT generative AI tool. Consumer-facing digital channels include a Customer Self Service Portal and a SagePay-powered one-off payment portal.

EOS generates revenue through transaction-based debt purchase (where EOS buys portfolios at a price determined by predictive algorithms), professional services fees for debt collection and arrears management contracts, outcome-based "no success, no fee" pricing for international Shared-Service Solutions, and managed services for ongoing receivables monitoring. The EOS Group as a whole reported revenue of 1.1 billion EUR and EBITDA of 460.8 million EUR in fiscal year 2024/25, with group-level revenue growth of 5.6% and NPL portfolio investments of 826.6 million EUR across Western, Eastern, and Central Europe. Standalone UK revenue is not disclosed. EOS Solutions UK differentiates through combining large-scale capital deployment with proprietary data assets and regulatory standing, supported by ISO 9001 and ISO/IEC 27001 certifications, EcoVadis Gold Medal (December 2025), and consecutive Morningstar Sustainalytics ESG Top Rated designations.

Name

EOS Solutions UK

Legal name

EOS Solutions UK Plc

Website

https://uk.eos-solutions.com

Company type

Public

Founded year

1972

Operating status

Operating

Headcount range

11–50 employees

Short description

EOS Solutions UK is a Warrington-based FCA-authorised debt collection and receivables management firm, part of Germany's Otto Group-owned EOS Group. It purchases debt portfolios and provides collection, international recovery, arrears management, and recovery services to enterprise banks, insurers, and B2B/B2C companies.

Ownership category

akta.pro rank

Product category

Receivables Management Services

NAICS

Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Collections, Recovery & Debt Management Platforms (FSAGAHAI)

akta.pro secondary industry

Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ)

Keywords

• Debt collection services
• Receivables management
• International debt recovery
• Non-performing loans
• Arrears management

Headquarters

HQ city

Warrington

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Debt Purchase: EOS purchases receivables portfolios from clients (primarily banks, insurers, loan providers) at a negotiated price. Revenue is generated when the debt is recovered from debtors, with EOS bearing the risk of non-payment.
2. Debt Collection Services: EOS manages receivables on behalf of clients (both B2B and B2C) through all available channels (letter, email, telephone, face-to-face), using legal proceedings as a last resort. Fees are charged for the collection service provided to creditors.
3. International Debt Recovery: Cross-border debt collection services delivered through a network of partners in over 180 countries. EOS provides either a Cross-Border Solution (dedicated EOS representative) or Shared-Service Solution (automated group-wide processes).
4. Professional Arrears Management: Ongoing management and monitoring of client receivables including payment reminders, conducted through the right tone of voice, time, and media channel.
5. Recovery Services: Specialist services for when debtors pay late or default, including contact via letter, email, telephone, and face-to-face, with recovery and realisation of movable goods through national and international expert networks.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

EOS Solutions UK is a debt collection and receivables management company that purchases non-performing loan portfolios from creditors and provides third-party debt collection, international debt recovery, professional arrears management, and recovery services across 180+ countries. The company combines AI, RPA, and proprietary platforms (Kollecto+ and EOS Global Collection Platform) with human expertise to deliver tailored repayment solutions for defaulting debtors while providing instant cash flow and balance sheet relief for clients.

Product overview

EOS Solutions UK offers a comprehensive receivables management portfolio combining professional services with technology platforms. The core service offerings include Debt Purchase (buying portfolios and assuming non-payment risk), Debt Collection (multi-channel B2B/B2C recovery), International Debt Recovery (Cross-Border and Shared-Service solutions across 180+ countries), Professional Arrears Management, and Recovery Services for defaulted accounts. Supporting these services are technology platforms: Kollecto+ (web-based, cloud-ready collection system used in 12+ countries) and the EOS Global Collection Platform (facilitating automated case transmission across 140 countries). Digital customer-facing services include the Customer Self Service Portal and One-off Payment Portal. The company combines 'talent with technology, brains with bytes and emotional with artificial intelligence' to deliver tailored win-win solutions for clients while treating debtors fairly.

Differentiator

Problem solved

Functional benefit

Brands

• Kollecto+: Digital collection system/platform used by EOS national subsidiaries for receivables management. The web-based, cloud-ready software enables cross-border debt collection across 12 countries.
• Iron EOS

Products and services

• Debt Purchase EOS purchases non-performing receivables portfolios from clients (banks, insurers, loan providers) at a fair price determined by random sample analysis and predictive algorithms, assuming the risk of non-payment and providing clients with instant cash flow and balance sheet improvement.
• Debt Collection Third-party debt collection service for non-paying customers across both B2B and B2C contexts, using all available channels (letter, email, telephone, face-to-face) while preserving customer relationships and using legal proceedings as a last resort.
• International Debt Recovery Cross-border debt collection services delivered across 180+ countries via two solutions: the Cross-Border Solution with a dedicated EOS representative, and the Shared-Service Solution with automated escalation steps and SLAs (skip tracing and first letter within 24 hours, first phone call within 10 days).
• Professional Arrears Management Ongoing management and monitoring of client receivables including payment reminders and tailored communication strategies using the right tone, time, and media channel to maximise recovery while maintaining customer relationships.
• Recovery Services Specialist services for late-paying or defaulting debtors, including multi-channel contact (letter, email, telephone, face-to-face) and recovery and realisation of movable goods through national and international expert networks.
• EOS Global Collection Platform IT platform that optimises global workflows by regulating automated case transmission between partners in 140 countries, ensuring direct, transparent, and real-time communication for cross-border debt collection.
• Kollecto+ Digital Collection System Web-based, cloud-ready digital collection system used by nearly half of EOS national subsidiaries, enabling standardised cross-border receivables management with country-specific configurations across 12+ countries.
• Customer Self Service Portal Online portal (eos.myselfservice.co.uk) allowing consumer debtors to manage their accounts, access Income and Expenditure Forms, and communicate with EOS regarding their debt repayment arrangements.
• One-Off Payment Portal Payment portal (eos.paythisnow.co.uk) powered by SagePay (Opayo), compliant with Strong Customer Authentication rules, enabling consumer debtors to make one-off payments using EOS Reference numbers without creating an account.

Quantifiable outcome

• EOS Group contributed more than EUR 2.2 billion in liquidity to the European business cycle in fiscal year 2024/25
• +4 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability9 records

Feature7 records

Partnerships

Six partnerships are on record, tiered core and minor.

• IFC (International Finance Corporation)coreStrategic or Co-development Partner · 1 January 2024EOS and IFC (a member of the World Bank Group) apply strict ESG criteria covering social and environmental aspects when buying NPL portfolios in Poland and southeastern Europe. This partnership emphasises sustainable portfolio acquisition with ESG due diligence.
• Credit Reference AgenciescoreTechnology or IntegrationEOS shares customer data (name, address, date of birth, contact details) with Credit Reference Agencies to obtain updated contact information for debtors when details are outdated. Also shares information to identify itself as debt owner for purchased portfolios.
• finlit FoundationminorStrategic or Co-development PartnerThe non-profit finlit foundation was founded by EOS to educate children and adolescents in many European countries on the subject of finances, contributing to financial literacy and preventing excessive private debt.
• Otto GroupcoreStrategic or Co-development PartnerEOS Group is part of the Otto Group, headquartered in Germany. The Otto Group provides strategic oversight, sustainability framework (Science-Based Target), and shared technology resources including the ogGPT AI tool. EOS contributes to Otto Group's climate protection strategy pursuing the Paris Agreement 1.5 degree target.
• EOS Global Collection Platform PartnerscoreChannel Partner/ Reseller/ DistributorEOS works with partners in over 180 countries (140 via the Global Collection Platform) to facilitate cross-border debt collection. Partners benefit from EOS's standardised IT platform, automated workflows, and real-time communication infrastructure.
• UN Global CompactminorOthersEOS Group joined the UN Global Compact in 2021, committing to its Ten Principles on human rights, labour standards, environment, and anti-corruption. EOS reports annually on progress through a Communication on Progress (COP).

Scale indicators12 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Intrum: Swedish-headquartered, Europe's largest debt buyer and credit management services provider operating across 24+ markets. Directly competes with EOS Solutions UK in purchasing NPL portfolios from banks and managing receivables at scale across European geographies.
• Lowell Group: UK-headquartered debt purchase and collection specialist serving major UK banks, telecoms and utilities. Directly comparable to EOS Solutions UK with a similar UK-anchored B2B NPL purchase and outsourced receivables management model.
• PRA Group: US-listed global debt buyer and collections company with significant UK and European operations. Directly competes with EOS Solutions UK in NPL portfolio acquisition and third-party debt recovery across consumer asset classes.
• Encore Capital Group: US-listed global specialty finance company focused on portfolios of charged-off consumer debt, with UK operations through Cabot Credit (now integrated with Lowell). Comparable to EOS Solutions UK in deploying capital for portfolio purchases and operating proprietary collection technology.
• Hoist Finance: Swedish-headquartered debt management specialist active across Europe in purchasing unsecured NPL portfolios from banks. Directly competes with EOS Solutions UK, particularly in the European cross-border debt purchase market.
• Arrow Global: UK-based credit management and asset management company (now part of TDR Capital's platform alongside Lowell). A direct competitor to EOS Solutions UK in purchasing consumer and commercial NPLs and providing receivables services in the UK.
• B2Holding: Norwegian-headquartered pan-European debt purchase and collections company with non-performing loan portfolios across multiple countries. Directly comparable to EOS Solutions UK in NPL acquisition and multi-jurisdiction debt management.
• Cerved Group (Credit Management): Italy-listed financial services group with a substantial credit management and NPL servicing business focused on Italian and European bank clients. Directly comparable to EOS Solutions UK on bank-portfolio purchasing and outsourced receivables management.
• Kruk: Polish-listed debt management specialist operating across multiple European countries (Poland, Romania, Italy, Spain, Czechia). A direct peer to EOS Solutions UK in purchasing retail NPL portfolios and executing multi-channel recovery across Europe.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

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Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about EOS Solutions UK