Krisjanis Znotins
CEO, Hive Finance Group and Hive5
Leads Group strategy and Hive5 development, with a focus on product, transparency and long-term growth.
People, structure and company behind your investments
An overview of Hive5 — its ownership, leadership, business structure and operations.
What Hive5 is and is not
Hive5 is an investment marketplace within Hive Finance Group. Investors acquire claim rights linked to financing already provided and listed on the platform, starting from €10 per investment.
You do not lend money directly to borrowers. Instead, you purchase contractual claim rights that entitle you to receive payments according to the terms of the specific investment and applicable agreements.
Hive5 is
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An investment marketplace for contractual claim rights
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Part of Hive Finance Group
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Subject to independent audit at Group level
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Operated by Hive5 Marketplace d.o.o. in Croatia
Hive5 is not
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A bank or deposit-taking institution
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A payment or e-money institution
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A crowdfunding platform for project financing
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An investment advisory or portfolio management service
Regulatory status. Hive5 does not operate under a financial services licence. Based on the current legal assessment of its business model, Hive5 does not require authorisation as an ECSP crowdfunding service provider, MiFID investment firm, payment institution or e-money institution. Read the full legal statement →
Hive5 in numbers
Updated monthly using Hive5 platform data.
€218 M
Total invested since launch
€5.9 M
Interest paid to investors
30 002
Registered investors
14.4%
Average nominal annual interest rate
4 years
Operating since July 2022
As of 30 June 2026, Hive5 had no overdue investments recorded on the platform, continuing its track record of timely investor repayments since launch. Past performance may not reflect future results.
OUR VISION
To make European loan investing simple, transparent and accessible.
The group behind Hive5
Hive5 is part of Hive Finance Group, a European business group bringing together the Hive5 marketplace and lending businesses in Poland, Spain and Romania.
A growing European business group
The group combines local market expertise with shared capabilities in strategy, finance, risk, technology and operations.
45
People across the group
Across marketplace operations, lending, risk, finance, technology and support.
3
Core lending markets
Poland, Spain and Romania.
4
Group-owned lending businesses
Ekspres Pożyczka, Firmeo, FinJet and Credilink.
Andrius Rupšys
Co-founder and main shareholder, Hive Finance Group
Nearly two decades of building and scaling international businesses
Andrius has spent nearly two decades building and scaling businesses across international markets. In 2007, he founded Ruptela, a vehicle telematics and fleet-management technology company, and grew it into an organisation of more than 250 people serving clients in over 120 countries.
He later co-founded Hive Finance Group and remains its main shareholder, shaping the Group’s long-term strategic direction and staying actively involved in its development.
His experience strengthens the Group through international business development, building strong teams and scaling businesses from early-stage operations to international growth.
2007
Founded his first technology company
19 yrs
Building international businesses
250+
People in the organisation he built
120+
Countries reached
Transparency and oversight
See the financial reports, lending company information and governance details available to investors.
Group financial reporting
Independent external audit
Hive Finance Group publishes consolidated financial statements audited by an independent external auditor.
The companies behind the loans
Entity-level disclosures
See which group lending companies issue and service the loans, where they operate and the types of loans they provide.
Governance and oversight
An independent chair and internal audit
The people responsible for management, board oversight and audit are identified together with their roles.
Board members, auditors and shareholders are named in full, with roles and reporting periods.
The people behind Hive5
Meet the team responsible for Hive5’s day-to-day operations and the Hive Finance Group leaders who support the platform.
Hive5 platform team
Day-to-day running of the marketplace
Inga Zubanovė
Head of Operations, Hive5
Leads day-to-day platform operations, investment flow and investor servicing.
Karolina Tomaševičė
Head of Marketing and Communications, Hive5
Leads investor communication, brand, marketing and platform content.
Hive Finance Group leadership
Group leadership supporting the platform
Anete Pallo
Group Chief Operating Officer
Leads Group operations, process efficiency and cross-company execution.
Alexander James
Group Chief Risk Officer
Leads risk management, portfolio monitoring and risk assessment across the Group.
Aleksejus Tonkich
Chief Financial Officer
Leads financial strategy, planning, reporting and financial control across the Group.