In full operational alertness is the center of insurance debt collection (JEA), reinforcing his arsenal with interventions that intensify the pressure on the debtors.
According to General Document 714968/20-05-2025, KEAO plans for the publication of the names of debtors, natural and legal persons for June 30, 2025, with overdue debts of more than EUR 150,000, which remain outstanding for more than one year.
This publication is part of the strategic planning presented in the KEAO’s operational action plan for 2025, which provides for increased collection objectives, emphasis on managing old debts and enlargement of the toolbox to tackle contribution.
The debtors will be informed by individual alerts on June 5, invited to repay or settle their debts within 15 days – that is, until June 20 – to avoid online reporting through the Independent Public Revenue Authority (AADE) website. The list will be posted jointly with AADE, including updated information of those who have not been included or not complied with notifications.
KEAO aims to collect € 1.82 billion in 2025, from € 1.94 billion last year, exceeding the initial target of € 1.65 billion. The total debt to KEAO amounts to EUR 49.28 billion, of which EUR 32 billion are initial debts and the remaining surcharges and fines.
In the fourth quarter of 2024, € 15.64 billion was out of arrangement, representing 31.73% of the total.
Turn to more aggressive collection policy
According to the Operational Action Plan, KEAO is expected to “get throttle” in the effort to collect debt by debtors.
Central axes of the drawing are:
- Management and analysis of the debt portfolio with the aim of increasing revenue through intensive controls, automated flows and interventions to strategic badgers.
- Digitization of procedures and the development of new electronic services to inform, monitor and regulate debt, as well as strengthen the -risk monitoring system.
- Enhancing collection rates with a single targeting and upgrading of information tools in collaboration with E-EFKA and AADE.
- Human Resources Upgrade and Training of Executives in the Use of Digital Tools and Managing Complex Folders.
KEAO aims to significantly reduce the rate of outstanding debts and maintaining high compliance rates for those who have been integrated into arrangements.
The choice of disclosure acts as a measure of transparency and pressure to those who do not respond, and also provides strong incentives for compliance with those who are “at the limit” of regulation or have assets. According to the experience of the past, in the previous stages of corresponding suspension, there has been a significant increase in settings shortly before the posting, which is now being sought.
New tools and individuals
KEAO’s operational plan for 2025 also includes significant technological innovations, with the aim of automating procedures and increasing the effectiveness of insurance debt collection.
One of the main new tools is “KEAO withholding”, a platform that allows notaries to deliver with a single transaction all the withholding debts displayed in the debt certificate for transfer of immovable property through the use of RF payment code. In this way, the time and bureaucracy that were required to date are drastically reduced, while enhancing transparency and immediate reimbursement of the amounts in KEAO.
At the same time, in the context of compliance, KEAO has already suspended the possibility of using electronic services of the Electronic National Social Security Agency (E-EFKA) for 220 employers who did not meet their obligations, in particular the submission of detailed periodic statements (DPAs). This measure aims to put pressure on strategic offenders, giving a clear message that access to digital facilities is now directly linked to tax and insurance consistency.
At the same time, it is recalled, which provides that by decision of the Board of Directors, upon recommendation by the Coordinator of the Center for Insurance Contribution (KEAO), E-EFKA can make up to the execution of servicesSupportive in nature, to legal entities of private law on the management of overdue insurance contributions, the debtors register, the planning and the execution of actions to achieve the purposes of the KEAO.
It is noted that debtors can avoid or be removed from the list if:
- fully pay off the amount,
- join an approved arrangement and adhere to it,
- prove an administrative or accounting mistake in the entry of the debt.