Keoo starts "safari" for debtors

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A special unit has been created for major debtors in Greece tax service. It got the name KEAO, And his goal is Hunting for large debtors.

According to the plan of action KEAO (Κέντρο είσπραeption ασφαλιστικών οφειλών – the center of recovery of insurance debts), priority will be given to employers who have owed large amounts, while non -working debtors trying to retire according to new rules, allowing to apply for a pension with debts before 30,000 euroswill be considered later.

For large debtors A special unit has been created that will activate the forced penalty, including the confiscation of real estate belonging to them.

Parallel KEAO It will focus on the recovery of new and unresolved debts, as they have a high percentage of recovery compared to the old ones, as well as to prevent new debts.

Measures that KEAO plans to implement in 2025, aimed at increasing income before 1.82 billion euros. This indicator will probably be exceeded, since in 2024 the operational plan provided for income in the amount 1.65 billion eurosand actually collected 1.94 billion euros.

The general debt is reaches today 49.28 billion eurosincreasing due to the so -called undersized debts, penalties and amounts excluded from settlement. Moreover, only 32 billion euros They make up initial debt.

In particular, in the fourth quarter of 2024, the debt to KEAO Compiled 15.64 billion euros (31.73% of the total amount), which, although it was included in the settlement program, was outside its framework, since the debtors could not pay monthly contributions.

So, in the last quarter of last year, from October to November, it was sent 255 812 notificationswhile in the previous quarter there were all 35 762.

However, despite the multiple increase in the number of notifications, the debtors not only did not begin to observe obligations, but on the contrary, the duty of those who lost the possibility of settlement continued to grow rapidly, which indicates the actual inability to repay it.

In fact KEAO It states that a significant number of debtors are not even able to pay the monthly contributions that they rely. Given that the only existing settlement program is a fixed installment plan on 24 paymentsin some cases, the monthly amount of the debt is too high, which makes compliance with the conditions of settlement almost impossible.

Forced measures

The following actions are planned in the field of forced recovery in 2025:

• Immediate acceptance of measures against debtors who will not resolve or will not pay off their debts during 3 months After including their debt in the list KEAO.
• The use of forced collection measures during 70 days For debtors who have stopped payments under the settlement program.
• Strengthening forced measures against debtors, which systematically create new debts on a monthly basis, with an emphasis on the attachment of arrest on their real estate.
• The introduction of a new banking tool through which notaries will be able to list all the retained debts in one transaction using payment code RF When transferring real estate on the basis of a certificate of debt.
• Establishing criteria for classification and categorization of debts.

Forced measures taken KEAOdifferentiated depending on the statute of limitations and amounts of debt. Priority is given to the most fresh debts, which theoretically have a higher probability of recovery. At the same time, for debtors with large debts, more intense coercive measures are required.

Prevention of new debts

One of the measures that uses KEAO To prevent the growth of debts among strategic non -payers, this is a suspension of access to electronic services E -εφκα (Ηλεκτρονικός εθνικός φορέας κοινωνικής ασφάλισης – electronic national organ of social insurance) for supply) App (Αναλυτική περιοδική δήλωση-a periodic analytical declaration) by employers-debtors who insure staff through the Addles, but do not pay current monthly insurance contributions, constantly increasing the amount of the debt.

This measure applies to employers systematically evading the fulfillment of their obligations to pay insurance premiums in E -εφκα and aims to prevent strategies for avoiding contributions.

In addition to restricting the accumulation of debts, an important advantage of this procedure is to collect tax and property data of debtors, which can be used to ensure the collection of debts.

“All this needs to be put in order,” representatives of social insurance bodies emphasize so that we know what and how we can recover. The funds raised will provide assistance to the insured and pensioners, as well as significantly strengthen the stability of the social insurance system ”.

We remind you that, according to the recent position introduced to the parliament by the Minister of Labor Nicky Keramoosauxiliary procedures will be transferred to legal entities of private law. Private companies will take on the sending of notifications, but will not be able to apply compulsory measures, since individual notifications that continue to send KEAOdo not find a response.

However, measures provided for by the Regulation will not be implemented instantly, since first you will need to conduct an international tender for the selection of a contractor, and then legislatively fix the tools that consultants will use. Moreover, the contracts will provide special conditions for the protection of personal data and methods of interacting with debtors.

According to this position, E -εφκα It will be able to use the experience and modern technological instruments of legal entities for informing debtors, using, for example, practices of a soft approach instead of pressure methods and threats of compulsory penalty.

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