Investor since April 2024 | Belgium
Frederique Dawagne was looking for short-term loans of up to six months and attractive stated returns. The reviews she read about Hive5 were largely positive, and she remembers seeing on-time repayments mentioned often. Hive5 is a loan investment marketplace where investors acquire claim rights to already-issued loans from loan originators, often referred to as “P2P investing.”
Why Frederique Started Small
Like many investors, Frederique didn’t commit a large sum right away.
“I made my first investment in April 2024. As with all the platforms I work with, I started with a small investment to see if payments were actually made on time. Once I was convinced, I continued to invest little by little until I reached the €89,000 I currently have in my account.”
Her approach was gradual: start with a small amount, assess her experience, and then increase her allocation over time.
Her Monthly Portfolio Check
Frederique manages her Hive5 portfolio manually. At the start of each month, she checks which loans are due to mature.
“The platform is very easy to use, even for someone new to P2P lending. On the first day of each month, I review my portfolio and note the maturity dates for that month. Then, whenever a loan matures, I verify that the repayment amount is correct and on time, and I reinvest according to my needs (most often in 1-month or 3-month terms). I also invested about €50,000 when 2-year loans were made available for my long-term investments.”
She also values the choice available on the platform:
“I like the variety of loan originators and terms.”
From her first investment in April 2024 through 7 September 2026, Frederique says she has not experienced a delayed repayment in her own Hive5 account. She also says she typically reinvests funds within 24 hours of repayment. This reflects her personal account history, not a platform-wide guarantee; repayment timing depends on the performance of the relevant borrower and loan originator.
Quick Transfers and Clear Replies
Frederique highlights fast transfers and responsive customer service as positive aspects of her experience with Hive5.
“Deposits and withdrawals are fast. Customer service is professional and responds very quickly.”
In day-to-day interactions with support, her experience has been consistent:
“All of my interactions with the platform have always been very positive. Responses are always prompt, clear, and professional.”
A Look at Frederique’s Portfolio
Frederique’s account snapshot shows a large, actively managed portfolio. Her total balance is €89,333.44, with €89,095.76 invested and €237.68 available. Frederique’s portfolio includes 907 active investments, with no loans recorded as late in the 1–15, 16–30, or 31–60 day categories.
Her account shows a net annual return of 14.88% and a profit of €9,503.69. She also holds a personal bonus of +1% on her annual interest rate.
Account data is shown as September 2026. These figures reflect Frederique’s individual experience and are not representative of the results every investor may achieve. Returns vary and are not guaranteed.
Frederique says long-term loans and the loyalty bonus helped her results exceed her expectations.
“The results are better than I expected because interest rates have remained stable or even increased, particularly with the availability of long-term loans and the loyalty bonus.”
Adding Two-Year Loans to Her Portfolio
Over time, Frederique decided to invest more and include longer loan terms.
“Yes, I did decide to invest more with Hive5 than I had originally planned because my confidence in them has grown over time. At first, I wanted to limit myself to 35–40k in investments with a maximum term of 3 months, but I decided to add 50k to 2-year investments.”
Her portfolio grew through additional contributions as well as reinvestment, while her approach expanded to include longer-term loans alongside her shorter-term investments.
How Hive5 Compares
Frederique invests across roughly 10 to 15 different P2P platforms and says Hive5 compares favorably on rates, cash drag, and customer service. This is her personal assessment, rather than an independently verified comparison of platforms.
Advice for New Investors
Asked what she would tell someone curious about Hive5, Frederique emphasizes starting small and doing independent research:
“He should start with a small amount to get the hang of it and, of course, do his own research.”
For Frederique, what began as a small initial investment has developed into an actively managed portfolio of nearly a thousand active loans across different loan terms. Her allocation has changed over time, while regular portfolio reviews and manual reinvestment remain central to her routine.
Risk Disclosure
| This case study describes one investor’s personal experience and does not represent the results that every investor may achieve. Past performance is not a guarantee of future results. Investing through Hive5 involves risk, including delayed or failed repayments, Loan Originator credit risk, limited liquidity and the possible partial or total loss of invested capital. Investments are claim rights, not bank deposits, and are not covered by a deposit guarantee or investor compensation scheme. Any Buyback Obligation depends on the relevant Loan Originator’s ability to fulfil it. |
