- EOS increases its revenue in Western Europe by 6.6 percent.
- Significant investments in unsecured receivables portfolios in France and Portugal are driving growth.
- The ongoing expansion of digital processes is enhancing efficiency throughout the core business operations.
Sebastian, how would you assess the 2025/26 fiscal year in the Western Europe region?
For us, 2025/26 was a year in which the strategic decisions of recent years paid off. Despite a market environment that continues to be challenging, we not only maintained our market position but also expanded it further in a targeted manner, increasing revenue to EUR 318.9 million. We made substantial investments in receivables portfolios and achieved consistently strong performance in both smaller and larger markets. In total, we invested approximately EUR 383 million in secured and unsecured receivables.
What were the key milestones?
One of the main priorities during the past fiscal year was once again the acquisition of unsecured receivables from banks – both in established markets such as France, Belgium, and Spain, where we have been among the leading providers for decades, and in newer markets such as Portugal, where we have operated our own servicing entity since 2022 and continue to grow steadily. In Portugal, EOS invested in six unsecured receivables portfolios, nearly doubling the total receivables volume (assets under management). We also completed significant investments in France. In particular, I would highlight the acquisition of two portfolios with a combined nominal value of around EUR 500 million. Transactions of this scale demonstrate that banks regard us as a reliable and professional purchaser, even in complex market situations.
In addition, we further enhanced our expertise as an investor in real estate-secured receivables, including the acquisition of receivables portfolios in Portugal and France. Another important milestone was the successful execution of direct investments in real estate in Spain. Our clear objective is to restructure properties that are currently underutilized due to financial challenges and return them to productive use as vibrant residential and commercial spaces.