EOS Matrix Croatia

What EOS Matrix Croatia does

EOS MATRIX d.o.o., operating as EOS Matrix Croatia, is a licensed debt collection and receivables purchase company headquartered in Zagreb at Horvatova 82. Founded in 2006 and authorized by the Croatian National Bank (Hrvatska narodna banka) in 2008, the firm operates exclusively in the Croatian market as a wholly-owned subsidiary of EOS Group, a Hamburg-based international debt collection and financial services conglomerate that has operated for over 50 years across more than 20 countries with 6,000+ employees globally. The Croatian entity employs more than 200 people and serves two primary customer sets: individual consumers with overdue debts (whom it engages to negotiate lump-sum or installment repayment) and corporate creditors (banks, telcos, utilities, and other businesses) seeking recovery of unpaid receivables through outsourcing or outright portfolio sale.

The core offering comprises two revenue streams: (1) third-party debt collection services, where original creditors transfer claims for fee-based recovery, and (2) debt purchase/acquisition, where EOS Matrix buys overdue receivables at a discount and captures the spread between purchase price and amount recovered. Both streams are transaction-fee in nature. Supporting technology includes the My EOS customer self-service portal (portal.eos-matrix.hr) for online account management and payments, and a Pozivni centar (call center) operating Monday–Friday 8:00–20:00 that drives inbound and outbound debtor engagement. An add-on EOS Real Estate Services line handles management and disposal of real estate assets acquired through collection activity.

The company is a member of HUAN (Croatian Association of Debt Collection Agencies) and holds ISO/IEC 27001 and ISO/IEC 27701 certifications covering information security and privacy management. Marketing and consumer-education outreach runs through the EOS Matrix Croatia LinkedIn page, the EOS Group LinkedIn and YouTube channels, and on-site content covering debt collection processes, terminology, and fraud protection. Revenue, portfolio volume, and financial KPIs are not publicly disclosed.

Name

EOS Matrix Croatia

Legal name

EOS MATRIX d.o.o.

Website

https://eos-matrix.hr

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

101–250 employees

Short description

EOS Matrix Croatia is a Zagreb-based, Croatian National Bank-licensed debt collection and receivables purchase firm serving individual consumers and corporate creditors, operating as a wholly-owned subsidiary of Hamburg-based EOS Group.

Ownership category

akta.pro rank

Product category

Debt Collection and Receivables Management

NAICS

Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro industry

PRIMARYBPAAAEAB

Third-Party Debt Collection Agencies (Consumer & Commercial)

Business & Public Services/Administrative & Support Services (BPO, Call Centers, Back Office)/Collections, Recovery & Skip Tracing Services

Keywords

• Debt collection services
• Receivables management
• Credit servicing
• Debt purchase
• Collections agency

Headquarters

HQ city

Zagreb

HQ country

Croatia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Debt Collection Services: Collection services for overdue receivables where original creditors transfer unpaid claims to EOS Matrix for further collection. Revenue generated through successful debt recovery, typically a percentage of collected amounts or flat fees from client creditors.
2. Debt Purchase / Acquisition: EOS Matrix purchases overdue receivables (debt purchase) from creditors at a discount, then pursues collection independently. Revenue is generated from the difference between purchased debt value and amounts recovered from debtors.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

EOS Matrix Croatia is a licensed debt collection and receivables purchase company operating in the Croatian market for over 18 years. The company offers debt collection services to corporate creditors (collection of overdue receivables on behalf of clients) and debt purchase services (acquiring defaulted receivables at a discount for independent recovery). It also operates the My EOS self-service portal enabling debtors to view balances and make payments online.

Product overview

EOS Matrix Croatia operates as a single integrated debt collection and receivables management platform. The core offering consists of debt collection and purchase of matured receivables services, supported by the My EOS customer self-service portal for online account management. Additional services include real estate services for properties acquired through debt collection. The company has operated in Croatia for over 18 years with over 200 employees and is part of the EOS Group headquartered in Hamburg, Germany.

Differentiator

Problem solved

Functional benefit

Products and services

• Debt Collection and Purchase of Matured Receivables Professional debt collection services and purchase of overdue receivables for businesses and individual debtors. Registered with the Croatian National Bank as an authorized credit servicing provider. The service covers recovery of unpaid invoices for corporate creditors and structured repayment solutions (lump-sum or installments) for individual debtors.
• My EOS Portal Online self-service customer portal where debtors can access their outstanding balance, view account information, make payments, and manage their repayment arrangements digitally.
• EOS Real Estate Services Real estate services offered as part of debt resolution, including management and sale of properties acquired through the debt collection process. Targeted at both creditors and debtors handling property-related collateral recovery.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• HUAN (Hrvatsko udruženje agencija za naplatu potraživanja)coreOthersEOS Matrix is a member of the Croatian Association of Debt Collection Agencies (HUAN). This membership commits the company to transparent, ethical and professional practices in all aspects of debt collection. HUAN sets high standards for its members, ensuring trust and transparency in relationships with clients and consumers.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• EOS Group: Parent company of EOS Matrix Croatia and a global, diversified debt collection and receivables management platform operating in 20+ countries with 6,000+ employees. Highly comparable as the operating parent; sets strategy, technology, and NPL sourcing framework for the Croatian subsidiary.

Direct peers

• Aktiv Kapital (now part of EOS Group): Norwegian-headquartered NPL purchaser and debt collection firm, now integrated into EOS Group. Directly comparable as a sibling entity operating within the same parent group with similar NPL purchase and servicing capabilities.
• Intrum AB: Europe's largest debt collection and credit management company operating across multiple countries. Directly comparable to EOS Matrix Croatia as a licensed third-party debt collection agency serving both consumer and commercial creditors, but at much larger, pan-European scale.
• Lowell Group: Major European credit management and debt purchase group, primarily UK-based but with broader European reach. Comparable in its end-to-end receivables management model, consumer-facing digital servicing portal, and licensed collection operations.
• B2 Holding ASA: Norway-based pan-European debt collection and debt purchase group operating in multiple European countries. Directly comparable as a multi-country licensed collection and NPL purchaser serving banks and corporates, with similar fee- and portfolio-based revenue streams.
• Hoist Finance AB: Swedish-headquartered specialist in purchasing non-performing loan (NPL) portfolios across Europe. Comparable to EOS Matrix Croatia's debt purchase business line and overall receivables management model, particularly in its approach to NPL acquisitions from banks.
• PRA Group, Inc. Global leader in the acquisition and collection of nonperforming consumer loans, with significant European operations. Closely comparable in its dual model of fee-based servicing and portfolio purchase, including recovery via digital channels.
• Cabot Credit Management (Encore Capital Group): UK-headquartered NPL purchaser and debt collection specialist, owned by Encore Capital. Directly comparable in its NPL acquisition and consumer debt recovery model, with similar focus on regulated, licensed collection activities.

Regional players

• Münzer Holding GmbH / DRS (Deutsche Revision und Steuerberatung): Austrian/DACH-region debt collection group with similar B2B receivables management focus. Regionally comparable to EOS Matrix Croatia as a licensed, mid-sized European collections player serving corporate creditors, though operating in a different geographic footprint.

Others

• Teleperformance SE: Global customer experience and call center BPO with a sizable debt collection and accounts receivable management practice. Comparable as a peer operating inbound/outbound contact centers serving creditor clients in regulated consumer collections, though broader in scope.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/EOSHamburg
• LinkedInlinkedin.com/company/eos-matrix-croatia

Compliance2 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 Matrix Croatia