Categoría: Insights

Hive5 Transparency Update: Our Marketplace Model and Legal Statement

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As part of our ongoing transparency communication, we want to explain how Hive5’s marketplace model works, how it is structured, and how user wallet balances are treated. Clear and simple information helps investors better understand the platform before acquiring loan claim rights. 

Over four years of operation, Hive5’s operating model has remained unchanged. The platform continues to operate as a marketplace for already issued loan claim rights. This update provides more detail on the current structure, our Croatian legal position, and our approach to long-term legal and regulatory planning.

This first update focuses on Croatia because Hive5 is established and operates there. Additional user-facing legal information for our main user jurisdictions is also being prepared and will be shared once finalised with legal advisors. 

“Trust is built through clarity and consistency. Hive5 provides access to already issued loan claim rights; it does not act as a borrower, bank or payment institution. Our current legal assessment of the existing model has not changed. In parallel, we evaluate possible licensing or supervisory options as part of our long-term platform development.” 

— Krisjanis Znotins, CEO of Hive Finance Group 

A marketplace for already issued loan claim rights 

Hive5 is often grouped with P2P lending platforms because users can acquire loan-related claim rights through the platform. However, its structure differs from the classic peer-to-peer lending model.

In a typical P2P lending model, a platform facilitates lending between investors and borrowers. Hive5, by contrast, neither issues loans to borrowers nor creates a direct lending relationship between users and borrowers. Instead, users acquire claim rights relating to loans that Loan Originators have already issued.

This means the borrower has already received financing before the loan appears on Hive5. The decision to issue the loan is made by the relevant Loan Originator, not by Hive5. 

Hive5 is also not structured as a crowdfunding platform that raises funds directly for project owners or early-stage business ideas. For this reason, we describe Hive5 as a marketplace for already issued loan claim rights between Loan Originators and investors.

Current legal position in Croatia 

Before launching Hive5 in Croatia in July 2022, we analysed the Croatian legal environment and the framework relevant to our planned model. Since then, we have continued working with legal advisors and reviewing developments relevant to our activities. 

Based on our current legal assessment and the way Hive5’s model is structured, we do not consider Hive5’s activity to require authorisation as an ECSP crowdfunding service provider, MiFID-authorised firm, payment institution or e-money institution. 

This is linked to what Hive5 actually does. Hive5 does not operate as a bank, payment institution or e-money institution. Hive5 does not issue electronic money, issue loans to borrowers, raise funding for project owners, or provide personal recommendations or discretionary portfolio management. Hive5 acts as an intermediary marketplace where users may acquire claim rights to already issued loan receivables. 

A licence should correspond to the actual activity performed. Applying for a licence that does not match the current model would not, by itself, remove the risks related to acquiring loan claim rights. Loan claim rights remain exposed to credit risk, liquidity risk, economic conditions and loan originator performance. 

Separately from the current legal assessment of the existing model, Hive5 is evaluating licensing and supervisory options as part of its long-term regulatory planning. This work should not be understood as an indication that the current structure requires such authorisation. It reflects the direction in which we want to develop the platform and provide more regulatory clarity over time. 

At this stage, we cannot yet disclose the specific licence type, jurisdiction or timeline. Once we have a confirmed regulatory path and information that can be shared responsibly, we will update our investors. 

Legal information beyond Croatia 

This article starts with Croatia because it is Hive5’s operating jurisdiction. However, our legal work is not limited to Croatia. 

We are preparing additional investor-facing legal information for our main user jurisdictions. These materials will explain Hive5’s marketplace model, including the claim-rights structure, payment flows, wallet-balance treatment, risk allocation, buyback mechanics and the difference between Hive5’s model and direct lending, deposit-taking, crowdfunding or payment-service models. 

These materials should not be understood as individual legal advice, deposit protection, a capital guarantee or a formal determination by any regulator. Their purpose is to provide clearer information about the legal structure, risk allocation and limitations of Hive5’s marketplace model. 

Investor funds and wallet balances 

Wallet balances should not be understood as bank deposits. They represent user funds recorded in the user’s Hive5 account and not yet allocated to loan claim rights. 

These funds are kept separate from Hive5’s operational funds in dedicated investor-funds accounts with our servicing financial institution.  

We maintain accounting records and reconciliations between wallet balances shown on the platform and balances held in dedicated investor-funds accounts. This treatment has been included in our accounting and independent audit process since our first audited financial statements for the 2023 financial year. 

At the same time, Hive5 is not a licensed payment institution or e-money institution. We do not present wallet balances as bank deposits, individual payment accounts, deposit-guaranteed funds or a formal trust/escrow arrangement, unless expressly stated in the applicable documentation. 

The separation is an operational, accounting and risk-management segregation control, not a statutory payment-institution safeguarding scheme. 

Final note 

Hive5’s current model is a marketplace for already issued loan claim rights. The model has not changed, and our current legal assessment of the existing structure has not changed. 

At the same time, we understand that investors want more clarity about legal structure, supervision and long-term regulatory planning. We will continue providing clear and responsible updates as additional legal information and regulatory planning steps are finalised. 

Acquiring loan claim rights involves risk. Payments may be delayed, loan originators may face financial difficulties, economic conditions may change, and loan claim rights are not covered by deposit guarantee schemes or capital protection. Investors should carefully assess these risks and diversify their exposure. 

Hive5 Platform Update – June 2026

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June marked another active month for Hive5, with steady funding volumes and continued growth across the investor community. The platform’s total funded loan volume surpassed €209 million, reflecting sustained investor activity and a consistent supply of investment opportunities.

Key platform figures – June 2026

  • Total loan volume funded since inception: €209.1M
  • Loan volume funded in June: €8.43M
  • Interest paid to investors (to date): €5.7M
  • Average nominal interest rate: 14.2%
  • New registered investors in June: 148
  • Total registered investors: 29,850

June’s funded loan volume of €8.43M brought the total volume funded since inception to €209.1M. The average nominal interest rate reached 14.2%, while total interest paid to investors increased to €5.7M.

The Hive5 investor community also continued to expand, welcoming 148 new registered investors during the month and bringing the total number of registered investors to 29,850.

Looking ahead, we will continue to focus on platform performance, a consistent flow of investment opportunities, and transparent communication with our growing investor community.

Hive5 Platform Update – May 2026

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May was another active month for Hive5, with continued investor engagement, steady funding volume, and important platform developments moving forward. 

Key platform figures – May 2026
  • Total loan volume funded since inception: €200.32M
  • Loan volume funded in May: €8.83M
  • Interest paid to investors: €5.3M
  • Average nominal interest rate: 13.6%
  • New registered investors in May: +167
  • Total registered investors: 29,702

May’s funded loan volume of €8.83M reflects continued activity across the Hive5 marketplace and a stable pipeline of available investment opportunities. Reaching more than €200M in total funded loan volume marks another important milestone for the platform and reflects the continued trust of our growing investor community.

Updated interest rates from June 1

From June 1, updated interest rates apply to selected Finjet, Credilink, and Firmeo products on Hive5. These rates apply only to new investments.

If you use Auto Invest, we recommend reviewing your strategy and adjusting the settings if needed, especially the minimum interest rate, loan originator, and maximum loan term, to ensure your portfolio remains aligned with the updated product rates.

You can find more information about the updated interest rates and products here.

Secondary Market development is underway

One of the key platform developments now in progress is the Hive5 Secondary Market. Development is planned to take approximately three months, with launch expected by September 2026.

The Secondary Market will allow investors to sell eligible investments to other investors before the scheduled maturity date. This will give investors more flexibility in managing their portfolios and provide an additional path to early liquidity, especially as longer-term products become more available on Hive5.

For Hive5, this is an important step toward building a more flexible marketplace that supports both short-term and long-term investment strategies.

Looking ahead

Looking ahead, our focus remains on platform performance, investor transparency, and continued product development. With updated rates, growing investor activity, and the Secondary Market now in development, Hive5 continues to strengthen its marketplace and improve the investment experience for our community.

Thank you for being part of Hive5.

— The Hive5 Team

Hive5 Promotions Are Now Automated

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Dear Investors,

We have heard your feedback and understand the importance of a smoother, clearer, and more convenient experience when participating in Hive5 promotions.

With new leadership in place, we are already seeing positive momentum in the way we improve processes, respond to investor expectations, and strengthen the overall Hive5 investor experience.

As one of the first visible improvements, we have automated the entire promotion process.

From now on, if you are a new investor or have increased your portfolio during an active promotion, there is no need to contact us by email. All eligible rewards will be tracked and applied automatically according to the promotion terms.

This improvement makes the process faster, more transparent, and more convenient for everyone.

If you have any further feedback or suggestions on how we could continue improving, we welcome your thoughts at support@hive5.com.

Thank you for sharing your expectations with us and helping us improve Hive5.

Best regards,

The Hive5 Team

Credilink Crosses €1 Million in Loan Originations Within 7 Months of Operations

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Credilink — the Romanian consumer-finance brand of We Finance IFN S.A. and part of the broader Hive Finance Group — has reached a major operational milestone: over 3,000 loan disbursements across 2,143 active credit lines and €1 million in cumulative loan volume within just seven months since launching on the Hive5 marketplace. To mark the next phase of its growth, Credilink is now opening a 2-year loan placement at 14,5% annual interest to investors. 

Portfolio Quality 

From the very first months of operations, the Credilink loan portfolio has consistently generated positive returns for Hive5 investors, with all portfolio-level financial indicators trending in the right direction. This early performance was achieved while deliberately operating within conservative credit exposure limits. This disciplined foundation sets the stage for the accelerated growth phase ahead. 

The repeat customer model 

Credilink offers borrowers a revolving credit line rather than a single one-off loan. Each line is issued with a 24-month term. The benefits of this model compound over time:

  1. Existing customers reuse the line instead of being acquired from scratch 
  2. Lower acquisition cost per loan as the borrower base matures 
  3. More predictable cash-flow patterns at portfolio level 
  4. A friendlier customer experience that builds loyalty 

The result: more than 60% of Credilink’s client community has come back to reutilize their credit line — a strong signal of product–market fit in the Romanian consumer-finance segment. On average, each credit line has generated ~1.4 disbursement transactions, with that ratio expected to compound as the borrower base matures. 

Monthly growth: disbursement trajectory 

The first seven months show steady scaling of both loan volume and ticket size: 

CREDIT LINES 

2,143 

DISBURSEMENTS 

3,000+ 

TOTAL VOLUME 

€964,252 

AVG. LOAN 

€262 → €470 

Cumulative monthly trajectory shown October through April (the first seven full months of operations). May activity brings the total to €964,252 across 3,000+ disbursements. 

Two trends stand out: 

  • The cumulative disbursed amount has grown at roughly 30% per month on average over the Oct–Apr period. 
  • The average loan size has nearly doubled between October (€262) and April (€470), reflecting both growing trust in the underwriting process and a maturing borrower base. 

Regulated Non-Banking Financial Institution  

We Finance IFN S.A. operates as a fully licensed Non-Banking Financial Institution under the direct supervision of the National Bank of Romania (BNR). This reflects a long-standing commitment to regulatory compliance. 

The NBFI license requires ongoing adherence to: 

  • Capital adequacy standards 
  • Mandatory financial reporting 
  • Consumer-protection obligations 

For investors 

The early months absorbed operational risk and proved the model. Credilink’s focus for the year ahead is to stabilize its market traction framework and operational setup, and to reach break-even by year-end. 

The 2-year loan placement on Hive5 is the signal that Credilink is moving from stabilization into deliberate growth — and the opportunity for investors to participate in that next chapter on the following terms: 

  • 14.5% annual interest — fixed rate for the full 2-year term 
  • +1% loyalty bonus — additional yield available to eligible returning Hive5 investors 

Combined, this can deliver up to 15.5% annual yield on a business-loan instrument backed by a fully regulated, operationally proven lending platform.  

While the placement is structured as a 2-year commitment, Hive5 is launching a secondary market by September — giving investors a path to early liquidity if their plans change before maturity. 

Secondary Market Development Begins: More Flexibility Coming to Hive5 Investors

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Hive5 is entering a new stage of platform development under the leadership of our new Group CEO, Krisjanis Znotins. His vision for the next phase focuses on strengthening the platform, improving functionality, and developing features that support long-term growth.

One of the first planned developments in this direction is the Hive5 Secondary Market.

As investor portfolios on Hive5 become more diversified, additional tools for managing investments are becoming increasingly relevant. Today, investors can access opportunities across several product lines, including Linqo Lithuania (business loans), Finjet Spain (consumer and business loans), Credilink Romania (business loans), and Firmeo Poland (business loans). With longer-term products also available, such as Firmeo’s 24-month business loan offer, flexibility becomes an important part of the investment experience.

“The Secondary Market will add more flexibility to the investment experience and give investors additional tools to manage their portfolios,” says Krisjanis Znotins, Group CEO of Hive5.

What is the Secondary Market?

The Secondary Market will allow investors to sell eligible investments to other investors before the scheduled maturity date.

For sellers, this may provide an additional option to adjust their portfolio or access funds earlier. For buyers, it may create another way to find investment opportunities that match their preferred return, term, and strategy.

The Secondary Market will complement the primary market, which will remain the main place for funding new loans.

Development timeline

Development is planned to begin at the start of June 2026 and is expected to take approximately three months, with completion planned by September 2026.

During this period, the team will work on the technical setup, investment eligibility rules, user experience, testing, and the operational processes needed to support the feature.

Before the launch, Hive5 will share more details with investors, including how the feature will work, which investments will be eligible, and whether any specific conditions or fees will apply.

Why now?

Hive5 continues to grow as an investment marketplace. In April 2026 alone, €8.54M was funded through the platform, bringing the total funded loan volume since inception to €191.5M. The investor community also continued to grow, reaching 29,535 registered investors.

With a broader investor base and a wider range of investment opportunities, the Secondary Market is a natural next step in Hive5’s product development.

Looking ahead

The Secondary Market marks an important step in Hive5’s next phase of development and reflects our continued focus on improving the investor experience.

As development progresses, Hive5 will continue sharing updates with investors.

Thank you for being part of Hive5.

— The Hive5 Team

Firmeo Crossed PLN 1 Million in Monthly Originations

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That happened in April — Firmeo’s third full month of commercial sales. Since we launched the business earlier this year, several of you have asked how it is progressing. This is our update, with the numbers and the context behind them. 

The foundation: Ekspres Pożyczka 

Before talking about Firmeo’s first months, it is worth being clear about what came before. Firmeo is not a standalone experiment. It is being built by the same team that operates Ekspres Pożyczka — a Polish consumer lender that has been profitable, audited, and growing every year. 

Ekspres Pożyczka is operated by Argentum Capital sp. z o.o. in Warsaw, and has been growing year on year.  Loan principal originated in 2024 and 2025: 

A profitable P&L, a portfolio above EUR 11 million, and loan principal originations growing 66.9% year-on-year. These are not pitch-deck figures. They are audited results. 

Here is how Ekspres Pożyczka closed 2025: 

METRIC 

2025 RESULT 

Revenues 

EUR 10.58 m 

Net profit 

EUR 200,500 

Net profit margin 

1.9% 

Return on equity (ROE) 

9.0% 

Active loan portfolio (07.05.2026) 

EUR 11.34 m 

Credit loss / insurance cost 

4–6% of insured portfolio  

A few points stand out from these numbers. 

Audited profitability is meaningful in this segment. Polish non-bank consumer lending tightened materially after the 2023 regulatory changes capped non-interest costs more strictly. Sustaining profitability through that transition has not been the norm — many operators of similar size have not managed it. Ekspres Pożyczka has, and is reinvesting that profit into continued growth. 

Growth on an established base is harder than growth from zero.  A 66.9% year-on-year increase in principal originated is significant in absolute terms, and more so given that this is a mature business that already had scale in 2024. The 2025 environment was more cautious than prior years, not less. Many Polish lenders shrank in 2025; Ekspres Pożyczka grew. 

 An active book of EUR 11.34 m of principal, EUR 78.4 m of loan principal originated in 2025 alone, and audited financials — this places Ekspres Pożyczka in the mid-range of Polish non-bank consumer lenders, with the operational depth and reporting infrastructure that comes with it. 

Credit risk is insured, not absorbed. The Ekspres Pożyczka portfolio is insured. The business does not experience credit losses directly — instead, it pays an insurance premium of approximately 4–6% of the insured portfolio, and the insurer covers underlying borrower defaults. This converts what would otherwise be a variable credit-loss expense into a predictable, contained cost, and is a meaningful structural protection for the lender’s P&L. 

This is the team and the operational discipline now behind Firmeo. 

Why Firmeo exists 

Firmeo is a technology-enabled SME lender fully owned by Hive finance group and focused on Poland’s micro, small and medium-sized businesses. It is not a payday lender — Firmeo does not serve the consumer market. It offers business instalment loans, with disciplined underwriting and fully digital origination. 

We launched Firmeo because the SME segment in Poland is structurally underserved by traditional banks — particularly in fast financing, smaller ticket sizes, flexible underwriting, and digital experience. The Ekspres Pożyczka team had already built the underwriting infrastructure, the credit-bureau integrations, and the digital onboarding capability. The opportunity was to apply that capability to a much larger market segment that was not being served well. 

PRODUCT AT A GLANCE 

  1. Loan size: PLN 5,000 – PLN 200,000 

  1. Terms: 3–12 months 

  1. Customers: sole proprietors and limited liability companies 

  1. Process: fully online application, online bank statement analysis, credit bureau checks (including Poland’s largest, BIK), and same-day funding capability 

How Firmeo is progressing 

The first two loans went out at the very end of January 2026. Proper commercial sales started in February. Here is the curve so far: 

Cumulatively, the picture is consistent — each month adds materially to the running total funded since launch: 

As of 7 May 2026, Firmeo has funded 115 SME loans for a cumulative PLN 2.5 million (≈ EUR 580k), with strong month-on-month growth every month since launch.. 

 

115 
 SME LOANS FUNDED 

EUR 580k 
 CUMULATIVE ORIGINATIONS SINCE LAUNCH 

~EUR 5,150 
 AVERAGE LOAN SIZE 

These are first-quarter results from a young book. The trajectory is real, but it is also early. Some metrics that work for mature short-term lenders — such as repeat borrower rate — are not yet meaningful for Firmeo, because SME instalment loans have longer maturities and customer cycles develop over time, not weeks. 

How we are managing risk 

The team made a deliberate choice not to chase aggressive volume from day one. The current focus is portfolio quality, underwriting discipline, and risk calibration — not maximising originations. First results looks even better than Poland consumer lending business. 

We will say this directly: in a more cautious economic environment, chasing unsustainably high origination targets carries its own risks. We have chosen a more measured path, and we think it is the right one for a lender at this stage. 

Unit economics 

A few numbers on how Firmeo earns: 

  1. Customer acquisition cost (CAC): approximately 4% of funded loan value 

  1. Average customer pricing: approximately 4.2% per month (combined interest and non-interest cost) 

That spread, combined with same-day digital funding and a scalable broker/affiliate distribution channel, is what gives Firmeo a clear path to operational efficiency as the book grows. 

What this means for Hive5 investors 

For Hive5 investors who want exposure to the Polish SME lending opportunity — through a team that is already operating a profitable consumer lender in the same country — this is the current offer: 

HIVE5 · CURRENT OFFER 

24 mo. 
 TERM 

14.5% 
 INTEREST RATE (P.A.) 

+1% 
 LOYALTY BONUS (UP TO) 

A final word 

Firmeo is in its first year. We are not going to oversell that fact, and we will not pretend that early-stage numbers carry the same weight as audited multi-year results. They do not. 

What we can say is this: the team behind Firmeo has done this before in Poland, with results that are publicly reportable. The market opportunity is real and structurally underserved. The early curve is what we hoped it would look like, and the risk discipline matches what we committed to at launch. 

Thank you for being part of Hive5. 

— The Hive5 Team 

Note on figures: 2025 figures presented in this update are unaudited internal management numbers. The most recent audited Hive Finance Group consolidated financial statements cover the year ended 31 December 2024 and were independently audited by UAB Veritas Auditas (unmodified opinion, IFRS as adopted by the EU). The full audit report is available here. 

Hive5 Platform Update – April 2026

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April continued to show steady activity on the Hive5 platform, with consistent funding volume and continued growth in our investor community. During the month, €8.54M was funded through the platform, bringing the total loan volume funded since inception to €191.5M. These results reflect ongoing investor engagement and our focus on maintaining a transparent, performance-driven marketplace.

Key platform figures – April 2026
  • Total loan volume funded since inception: €191.5M
  • Loan volume funded in April: €8.54M
  • Average nominal interest rate: 12.40%
  • New registered investors in April: +305
  • Total registered investors: 29,535

April’s funded loan volume of €8.54M reflects continued investor confidence and a stable pipeline of loan opportunities on the platform. The investor community also continued to expand, with 305 new registered investors joining Hive5 during the month.

Firmeo 24-month loans now available at 14.5% ROI

A new longer-term Firmeo product is now available on Hive5, offering a 24-month term and 14.5% annual interest. This gives investors a longer-duration, higher-yield option within one of Hive5’s established product lines. Investors using Auto Invest may want to review their settings, especially the selected loan originator, minimum interest rate, and maximum loan term, to ensure this new opportunity can be included in their strategy.

New Refer a Friend programme

Hive5 has introduced an updated Refer a Friend programme, giving investors an opportunity to earn rewards by inviting people they trust to the platform. Under the programme, a referred friend must mention the referrer within 30 days of signing up and make qualifying investments within 90 days. Both the referrer and the friend can receive a Welcome Bonus once funds are allocated to active loans. Rewards scale by tier, with the Elite tier offering a 2% referrer reward with no cap, while annual milestone bonuses can reach up to €3,500 for the most active referrers.

Hive Finance Group appoints new Group CEO

Hive Finance Group has appointed Krisjanis Znotins as Group CEO as the Group enters its next phase. He brings more than 15 years of leadership experience across international fintech, banking, leasing, and supervisory boards, including experience in lending businesses across Poland, Spain, and Romania — the Group’s core markets today. For Hive5 investors, the key message is continuity: day-to-day operations remain unchanged, while the Group’s strategic focus moves more firmly toward streamlined operations and sustained profitability.

Audited 2024 consolidated financial results published

Hive Finance Group has also published its audited consolidated financial statements for the year ended 31 December 2024. The report was independently audited by UAB Veritas Auditas and covers all Group companies. 2024 marked the first year in the Group’s history when consolidated operations generated a net profit, with revenue reaching €11.5M, EBITDA reaching €1.9M. The auditor issued an unmodified opinion, confirming that the financial statements present a true and fair view under IFRS as adopted by the EU.

Looking ahead

Looking ahead, we will continue focusing on platform performance, investor transparency, and expanding the range of investment opportunities available on Hive5. With a growing investor base, new product options, and strengthened Group leadership, our priority remains building a reliable marketplace where investors can diversify and access competitive opportunities across European lending markets.

Hive Finance Group: Audited 2024 Consolidated Financial Results

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Hive Finance Group has published its audited consolidated financial statements for the year ended 31 December 2024, independently audited by UAB Veritas Auditas. The report covers all Group companies: Hive Finance UAB (holding company), Argentum Capital Sp. z o.o. (Ekspres Pożyczka, Poland), Nectar Capital S.L. (FinJet, Spain), Hive5 Marketplace d.o.o. (Croatia), and Digital Capital Finance S.A.  (Credilink, Romania). 

Audited Highlights 

 

First Profit 

2024 was the first year in the Group’s history when consolidated operations generated a net profit. The result of EUR 63K is modest, but the shift from a EUR 410K loss in 2023 confirms that the business model is working. Revenue more than tripled to EUR 11.5M, gross margin improved to 79.9% (2023: 72.4%), and operating cash flow reached EUR 1.5M — up from EUR 402K a year earlier. 

EBITDA — which reflects the operating profitability of the business before finance costs, tax and depreciation — reached EUR 1.9M, up from EUR 315K in 2023.  

Equity Position 

Equity remains negative (EUR -1.27M) due to accumulated prior-year losses. Our priority is to rebuild it through sustained profitability and disciplined cost control.  

As in the prior year, the auditor’s report includes a going concern note, reflecting the negative equity position. This is common for companies in an early growth phase and is expected to resolve as the Group continues building profitability. 

In case additional liquidity is ever required, our shareholder Andrius Rupšys is prepared to provide additional funding. 

Markets 

Poland (Ekspres Pożyczka) is the Group’s core market — EUR 8.2M in revenue and EUR 141K in net profit at entity level. Credit default rates remained within the targeted 4–6% range. 

Spain (FinJet) completed its first full year, growing the portfolio to EUR 3M and generating EUR 3.3M in entity-level revenue. Spain is now the Group’s second growth market. 

The Importance for Investors 

This report confirms that Hive Finance Group has reached a crucial turning point. The group’s ability to scale operations, reduce financial costs, and achieve profitability – all while maintaining growth in assets and revenue – sends a clear message to investors: Hive Finance Group is a fast-growing and highly scalable business. 

Investors could expect that after positive business results, we can focus on better credit scoring, better risk-adjusted returns, and an increasing ability to self-finance or operate with diversified funding strategies. 

Auditor’s Opinion 

The independent audit was performed by UAB Veritas Auditas, with an unmodified opinion confirming the financial statements present a true and fair view under IFRS as adopted by the EU. 

Hive5 Platform Update – March 2026

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March continued to demonstrate solid activity on the Hive5 platform, with sustained investor engagement and consistent funding volumes. These results reflect the platform’s steady trajectory and our ongoing commitment to transparency and performance for our investor community.

Key platform figures – March 2026

  • Total loan volume funded since inception: €182,629,416
  • Loan volume funded in March: €7,677,516
  • Number of loans originated (since inception): 10,407
  • Average nominal interest rate: 12.5%
  • Total registered investors: 29,230
  • Interest paid to investors (to date): €4.8M

March’s funded loan volume of €7.7M reflects continued investor confidence and a healthy pipeline of loan opportunities on the platform. With over 29,200 registered investors, the community continues to grow steadily.

Linqo Loans Now Available on Hive5

A new investment opportunity from Linqo is now live on the platform, offering investors access to a fixed 10% annual return. The offer is designed for those seeking predictable income through monthly interest payments while supporting a growing, technology-driven business in Europe.

Linqo operates as part of the Ruptela Group, an established player in the telematics and fleet management industry. Founded in 2007, the group operates globally and serves transport and logistics companies, providing Linqo with a strong operational background and growth potential.

Key terms of the Linqo offer:

  • Loan type: Business loan
  • Country: Lithuania
  • Return: Fixed 10% annual return
  • Repayments: Interest paid monthly; principal repaid at maturity (24 months)
  • Guarantee: Buyback guarantee
  • Use of funds: Operational growth and further product development
  • Term: 24 months

Please review your Auto Invest settings

Please note that due to recent changes in available interest rates on the platform, your Auto Invest strategy may require a review, as current offers might not fully match your selected settings.

We recommend revisiting your filters — especially the minimum interest rate, loan term, loan type, and selected loan originators — to ensure your strategy continues to operate as intended.

Currently available interest rates:

  • Linqo LT | Business Loans | 24 months | 10% ROI
  • Finjet ES | Consumer Loans | up to 45 days | 12% ROI
  • Finjet ES | Business Loans | up to 3 months | 12.5% ROI
  • Credilink RO | Business Loans | up to 3 months | 12.5% ROI
  • Firmeo PL | Business Loans | up to 6 months | 12.5% ROI

To increase the chances of successful investing, consider setting your minimum return to 10% and your maximum loan term to up to 24 months, while including the loan originators and loan types listed above.

Looking ahead, we will continue to focus on platform performance, expanding investment opportunities, and maintaining regular communication with our investor community.