What EOS KSI does

EOS KSI česká republika, s.r.o. is a Czech limited liability company founded on 1 April 1997 and headquartered in Prague 4 – Braník. It operates as the Czech subsidiary of EOS Group, an international receivables management and debt collection company that is itself a subsidiary of the Otto Group conglomerate. The company provides outsourced receivables management, debt collection, non-performing loan (NPL) portfolio purchasing, international cross-border collection, early-stage telephone collection, field service visits, and late-stage judicial recovery. Its primary clients are banks, financial institutions, telecommunications companies, energy and utility providers, e-commerce firms, real estate companies, and automotive rental businesses; individual debtors interact with the firm through digital self-service portals and contact centres.

The technology stack is anchored by Kollecto+, a proprietary digital debt collection system deployed across nearly half of EOS Group's branches that consolidates group-wide collection knowledge, and myEOS, a digital self-service portal allowing debtors to manage cases anonymously with payment options including credit card, Apple Pay, and PayPal. Operational AI capabilities include chatbots for routine inquiries, robotic process automation (RPA), predictive analytics for collection success-rate forecasting, anomaly detection for fraud prevention, and ogGPT — an internal generative AI tool developed by parent Otto Group. An AI innovation contest has showcased autonomous agents capable of independent call center calls, indicating active exploration of frontier use cases. The firm is GDPR-compliant, audited annually by KPMG, and operates within FENCA and the Czech Association of Collection Agencies (AIA).

EOS KSI generates revenue through two primary models: commission-based receivables management, where fees are calculated as a percentage of amounts recovered with rates rising as debts age, and NPL portfolio investment, where revenue is the spread between portfolio purchase price and recovery proceeds. Pricing is custom and quote-based with no public tiers. Go-to-market combines direct enterprise sales for B2B clients, self-service client portals (portal.eos-ksi.cz), and multi-channel consumer engagement (phone, email, SMS, field service, digital portals). Czech-specific revenue is not separately disclosed; EOS Group reported total revenue of €826.6 million and EBITDA of €460.8 million in FY 2024/25, with the Central Europe region (which includes the Czech entity) contributing €179.7 million.

Name

EOS KSI

Legal name

EOS KSI Česká republika, s.r.o.

Website

https://eos-ksi.cz

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

51–100 employees

Short description

EOS KSI česká republika, s.r.o. is the Czech subsidiary of EOS Group (part of Otto Group) that provides receivables management, debt collection, NPL portfolio purchasing, and international cross-border collection services to banks, telecoms, energy, e-commerce, real estate, and automotive clients in the Czech market.

Ownership category

akta.pro rank

Product category

Receivables Management and Debt Collection Services

NAICS

Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB)

akta.pro secondary industries

International & Cross-Border Collections (FSAKAJAO), Utilities/Telecom & Other Non-Financial Receivables Collections (FSAKAJAN), Debt Recovery & Asset Recovery (Repossession Coordination, Collateral Recovery) (BPAAAEAE)

Keywords

• Debt collection services
• Receivables management
• Non-performing loan purchase
• International debt recovery
• B2B financial services

Headquarters

HQ city

Branik

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Receivables Management Services: EOS provides outsourced receivables management services to creditor clients (banks, telecoms, energy, e-commerce). Fees are typically structured as a commission or percentage of the recovered amount. The older the debt, the higher the commission rate.
2. Non-Performing Loan (NPL) Portfolio Investment: EOS purchases non-performing loan portfolios from financial institutions and other creditors, then recovers the debt independently. Revenue is generated from the difference between purchase price and amounts recovered. EOS is described as a 'significant investor' in NPL portfolio acquisition.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

EOS KSI Česká republika, s.r.o. provides outsourced receivables management, debt collection, and non-performing loan (NPL) portfolio purchase services to corporate clients in the Czech Republic. The company runs an integrated collection lifecycle — early-stage telephone reminders, written follow-ups, field service visits, late-stage judicial recovery, and international cross-border collections — supported by the Kollecto+ digital platform and the myEOS self-service debtor portal.

Product overview

EOS KSI operates as a multi-service debt collection and receivables management company offering a comprehensive portfolio of financial services. The core services include Správa pohledávek (Receivables Management), Odkup pohledávek (Receivables Purchasing), Inkaso pohledávek (Debt Collection), Zahraniční inkaso (International Collections), Osobní inspektoři (Field Service), and Rané inkaso (Early Management via Telephone). These are supported by digital technology products including Kollecto+, EOS's proprietary digital collection system used by nearly half of EOS branches for standardized portfolio management, and myEOS, a digital self-service portal enabling debtors to manage cases anonymously. The company also provides a client portal for business customers to monitor case progress. EOS KSI is part of the international EOS Group operating in over 180 countries and serves approximately 20,000 customers globally.

Differentiator

Problem solved

Functional benefit

Brands

• Kollecto+: Digital collection system used by EOS for debt collection management.

Products and services

• Správa pohledávek (Receivables Management) Professional receivables management services tailored to corporate clients, allowing them to focus on their core business while EOS handles debt recovery across the full lifecycle.
• Odkup pohledávek (Receivables Purchasing) Purchase of non-performing loan (NPL) portfolios and distressed assets from financial institutions, providing liquidity and stabilizing the financial environment.
• Inkaso pohledávek (Debt Collection) Three-phase debt collection process covering written reminders, telephone follow-ups, and legal proceedings where necessary.
• Zahraniční inkaso pohledávek (International Collections) Cross-border debt collection services delivered through EOS Group's own companies and a partner network in more than 180 countries.
• Osobní inspektoři (Field Service) Field investigation and personal-inspector services for physical debt collection and face-to-face debtor contact in late-stage cases.
• Rané inkaso pohledávek (Early Management via Telephone) Early-stage debt collection using telephone outreach, SMS reminders, and modern communication channels to address delinquent accounts before escalation.
• Kollecto+ Digital Collection Platform Proprietary digital debt collection platform that standardizes collection processes across EOS branches and supports large-scale portfolio management.
• myEOS Self-Service Portal Digital self-service portal enabling debtors to manage their cases anonymously, make payments via credit card, Apple Pay, and PayPal, and adjust repayment plans through a mobile slider interface.
• Client Portal (portal.eos-ksi.cz) Secure online client portal for corporate customers to monitor case status and submit or receive receivables data.

Quantifiable outcome

• EOS Group contributed more than 2.2 billion EUR to the European economic cycle in FY 2024/25
• +2 more outcomes

Named customers8 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability8 records

Feature6 records

Partnerships

Four partnerships are on record, tiered core and minor.

• FENCA (Federation of European National Collection Associations)coreStrategic or Co-development PartnerEOS is a member of FENCA, the federation of European national collection associations. Membership supports industry leadership, best practice sharing, and advocacy for binding ethical standards in the debt collection industry.
• KPMGcoreOthersEOS undergoes annual audit conducted by KPMG to verify compliance with international standards. The KPMG audit is referenced as a key trust and transparency credential.
• Association of Collection Agencies (AIA) / Asociace inkasních agenturcoreStrategic or Co-development PartnerEOS KSI ČR is a reporting member of the Czech Association of Collection Agencies (AIA), which publishes quarterly statistics on debt portfolios managed by member agencies across Czech regions and categories.
• finlit FoundationminorStrategic or Co-development PartnerNon-profit foundation established by EOS to provide financial literacy education to children and youth across European countries. Part of EOS's corporate responsibility commitment to preventing over-indebtedness.

Scale indicators8 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Arrow Global Group: UK-based specialist in NPL acquisition and servicing across Western and Southern Europe. Directly comparable on portfolio purchase economics and fee-based collections for bank and utility clients.
• Hoist Finance: Sweden-listed specialist acquirer and servicer of non-performing loans. Competes with EOS KSI on portfolio purchase valuations and the same operational NPL servicing model across European markets.
• Intrum AB: Sweden-listed pan-European market leader in credit management and NPL servicing. Operates in Czech Republic with the same outsourced receivables management plus NPL investment business model as EOS KSI, serving banks and large enterprise creditors.
• Kruk S.A. Poland-listed, pan-CEE debt collection and NPL purchaser. Operates directly in Czech Republic and Slovakia with the same debt-purchase plus fee-based collections model as EOS KSI, serving banks, telecoms and utilities.
• PRA Group: US-listed specialist purchaser of non-performing loans globally. Comparable through its balance-sheet NPL investment model and predictive analytics on portfolio recovery rates — directly competitive when European banks sell NPL portfolios.
• Lowell Group: Large UK-headquartered debt purchaser and servicer with operations across Europe. Competes with EOS KSI in the broader European receivables management and NPL servicing market with similar creditor and utility segment exposure.
• B2 Holding ASA: Norway-listed pan-European debt purchaser and servicer active across multiple European jurisdictions. Mirrors EOS KSI's NPL purchase plus outsourced servicing model and competes for distressed portfolios from European banks.

Broad incumbents

• Coface SA: French-listed global trade credit management provider offering receivables insurance, factoring and debt collection. Comparable as a broader receivables services incumbent serving the same kind of multinational corporate clients.
• Atradius: Global trade credit insurance and receivables management provider. Overlaps with EOS KSI in B2B receivables services and debt collection, though structured as insurance-led rather than pure agency/portfolio investor.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/EOSHamburg
• Facebookfacebook.com/eosksi.cz
• LinkedInlinkedin.com/company/eosksi.cz

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 KSI