Review of Hive5

Top 1 Yield (-90 Days)
Top 6 Yield
Updated | October 2026
Yield
Up to 16%
Type
P2P Private Individuals
Risk
(4/10)
High
Liquidity
Secondary market
Regulated
No
Country
Croatia

InvantAPPs score

93/100
  • Excellent
Visit Hive5

Breakdown by Category

Detailed scores for each area assessed

 0/20 
Significance within its sector
 0/10 
Ease of use and mobile app
 0/10 
Compound interest payable
 0/10 
Welcome bonus and referral bonus
 0/10 
Tax-friendly
 0/10 
Investment liquidity
 0/30 
Returns and fees

Features

Minimum investment:
10,00 €
Regulation:
Unlicensed
Withdrawal fee:
Free
Payment methods:
SEPA
Type of investor:
Private individual/Business
Suitability test:
Yes
Geographical exclusions:
Only bank account in the EU

Platform statistics

Assets under management
218.000.000,00 €
Updated: October 2026
Portfolio health:
Healthy
Current loans: 100%
In arrears/recovery: 0%
30002
Investors

4

Years in active service
2022
Founded
Loans financed:
218.100.000,00 €
Average interest:
13.5%
Audited accounts:
Yes

InvantAPPs Portfolio

  • Active Investment
Total portfolio:
3.932,00 €

TIR:

14.42%
From:
August 2022
Role in the portfolio:
Yield
Suggested allocation:
3
-5

%

Dedication:
Bass
Surveillance:
Long term
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Videos about Hive5

https://youtu.be/Mg1U1K04t2M
https://youtu.be/O8yHzmI5uAE
https://youtu.be/3pq4iXjFAxs
https://youtu.be/Ut6Vbbx197c
https://youtu.be/0wrnP6pBei0
https://youtu.be/5yoiKvbnGC8

Taxation

Withholding tax:
It does not retain
Tax-friendly:
Yes
Model 720:
No
Income Tax Category:
Share capital
Tax certificate:
Yes
▸ According to your User Agreement, you are the one who must determine, declare, and pay the corresponding taxes, and the platform does not assume the payment of taxes on behalf of its users (clause 9.2). According to our terms review, we do Hive5 not withhold taxes and you can download a tax report from your account by selecting the period. The obligation to file Form 720 depends on your situation.
Learn more about income tax return

Liquidity

Second-hand market:
Manual
Early exit:
No
Average loan term:
1–24 months
Time to settle:
Not available
▸ Depending on your conditions, you Hive5 have a secondary market where you can sell your remaining position to another user at the price you specify; they do not charge any listing, purchase, or sale commission (section 7A). The sale depends on another user buying it. The funds not invested can be withdrawn at any time. Upon the end of the contract, the available funds are transferred within a maximum of 5 business days (clause 13.5). buyback After more than 60 days, this delay is a guarantee from the originator and not a liquidity mechanism.

Yield

Stated return:
Up to 16%
Self-investment:
Yes
Payment frequency:
Monthly

Regulation

  • Unregulated
License:
Unlicensed
▸ The operator entity is Hive5 marketplace d.o.o., with registration number 081441259 and registered address in Zagreb (Croatia). According to our information review, it does not have a license or is regulated as a financial platform. According to a legal opinion published on 23-01-2024 Hive5, it concludes that its activities did not require a license or approval from the Croatian authorities. We have not found a review Hive5 marketplace d.o.o. registration in the registers of ESMA or HANFA that we have consulted. The commercial register does not equate to a financial license.
Learn more about regulation

Guarantees and risk mitigation

A) Type of guarantee
  • Without security
▸ There is no mortgage, pledge or other real security over the loans. According to its User Agreement, if the borrower defaults for more than 60 natural days, the originator (Lender) undertakes to buybackcollect the receivables (clause 7.7), with the principal plus the accumulated interest under the Investment Agreement. This buyback is an obligation of the originator, not of Hive5.
B) Stress scenario
▸ The User Agreement stipulates that in the event of the insolvency of Hive5, new investments will be suspended, complete information on the transactions will be provided, available funds will be returned, and existing Investment Agreements will remain in effect. No public wind-down plan or independent portfolio manager has been found.
▸ According to their User Agreement, the originator must make the necessary arrangements to recover the loan and, if it delay exceeds 60 days, they commit to recomprarepay the rights (clause 7.7). It also allows the originator to unilaterally extend the loan term (clause 7.9). If the originator cannot fulfill, the Investment Agreement procedure applies (clause 14.2) and you may lose part or all of the capital.
C) Additional guarantees
Yes
(60 days)
Originator
No
Yes
Yes
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InvantAPPs Summary

What is it Hive5?

Hive5 It is a marketplace for loans operated from Croatia, operational since 2022, that allows investors to acquire collection rights over consumer and business loans granted by originators. According to its User Agreement, the originator commits to recompracollect the rights if the borrower defaults for more than 60 days. It has no license or is regulated as a financial platform. It is designed for high-risk investors seeking to diversify into short-term crowdlending with a low minimum amount.

https://youtu.be/Mg1U1K04t2M

Hive5 It is a marketplace operated by Hive5 marketplace d.o.o., a Croatian company, and has been operating since 2022. According to its User Agreement, it purchases the right to collect loans granted by an originator, and the platform acts as an intermediary. According to our report review, there is automatic investment and interest reinvestment.

According to their User Agreement, if the borrower defaults for more than 60 days, the originator commits to recomprathe rights, with the capital plus the accumulated interest under the Investment Agreement. It is an obligation of the originator, not of Hive5 the borrower. And the contract itself allows the originator to unilaterally extend the loan term. Your protection depends on the originator’s solvency.

According to our report review Hive5, it does Hive5 not have a license or is regulated as a financial platform. According to a legal opinion published in January 2024, it concluded that it did not need a license in Croatia. We did not find review one in the records of ESMA or HANFA that we consulted, and there is no investor compensation system. According to its User Agreement, if the platform goes into insolvency, new investments are suspended, available funds are returned, and the Investment Agreement remains in effect.

It has a secondary market: according to its conditions, you can sell your remaining position in its entirety to another user at the price you specify and there is no commission for listing, buying or selling. Whether it is sold depends on another user buying it, so don't count on it as a sure way to make money.

According to our website review, withdrawing funds is free. Their terms refer to a list of prices for the rest of the fees, so please review them before investing. Interest is taxed as investment income, in the base of the IRPF savings; you declare it yourself and, according to our website review, they do Hive5 not withhold taxes.

We have been investing with our own money Hive5 since 2022. For us, it is a tactical tool with moderate-to-high risk: use it sparingly and spread it across many loans; we do not recommend it for conservative portfolios.

Key points

According to their User Agreement, the originator commits to recomprathe rights after more than 60 days have passed delay.
Secondary market without commission for listing, buying or selling, according to its conditions.
Without a license or regulation as a financial platform, and without any investor compensation system being in place.
It buyback depends on the originator's solvency, who can unilaterally extend the loan term.
According to a legal opinion from January 2024 Hive5, he did not need a license in Croatia.

Pros and cons

Low minimum loan amount, allowing for the diversification of small portfolios.
According to their User Agreement, the originator commits to recomprathe rights if it delay exceeds 60 days, with the capital plus accumulated interest.
Secondary market without commission for listing, buying or selling, according to its conditions.
Automatic investment (auto-invest) and free withdrawal according to our conditions review.
Without a license or regulation as a financial platform, and without any investor compensation system being in place.
The origination buyback is the originator's obligation, not that of the lender Hive5, and the contract allows the originator to unilaterally extend the loan term.
The secondary market does not guarantee a buyer or a price: the sale depends on another user buying it.

Experience and social proof

Trustpilot

502 Reviews
4.5/5
See Review

ScamAdviser

0%
Trust score: 75/100
View Analysis
Updated: October 2026

Social media activity

🔵 Active
🟡 Not very active
🔵 Active
  • YouTube
⚪ No profile
  • Instagram
⚪ No profile
🔵 Active

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Frequently Asked Questions

Is it safe Hive5?

Hive5 It has no license or is regulated as a financial platform and there is no investor compensation system. According to its User Agreement, the originator commits to recomprarefund if it delay exceeds 60 days, but it depends on its solvency. For us it is a moderate-high risk platform.

How much should I invest in Hive5?

We recommend using it Hive5 as a tactical and complementary position, between 3% and 5% of your crowdlending portfolio, spread across many loans with automatic investment. With its low minimum amount, you can try it with little capital.

How to declare interests Hive5 in the IRPF?

Interest is taxed like investment income in the base of the IRPF savings, with progressive rates depending on the bracket. According to our report review, they do Hive5 not withhold taxes and you can download a tax report in PDF from your account by selecting the period. According to their User Agreement, you are the one who must declare them.

What happens if it Hive5 closes?

According to their User Agreement, if they Hive5 go into insolvency, new investments are suspended, you are provided with information about your operations, available funds are returned, and your Investment Agreement remains in effect. We have not found an independent liquidation plan or a compensation system, so what you recover will depend on the originator.

Does it have a secondary Hive5 market?

Yes. According to their terms, you can sell your remaining position in its entirety to another user at the price you specify, with no listing, buying, or selling commission. Whether it gets sold depends on another user buying it, so don't count on it as a sure way to make money.

How does the reinvestment in ? work Hive5?

With automatic investing, you can define criteria such as interest rate, duration, and originator; the system reinvests the capital you have paid back and the interest you receive. Review the parameters from time to time to avoid focusing too much on a single originator.

Contact and support

Email: support@hive5.com
  • High accessibility
They provide service in Spanish:
Yes
Live chat:
Yes
Telegram:
No
Rating:
4.5/5
Response time:
1–24 hours
Official FAQ:
See the FAQs

Corporate identity

Legal name:
Hive5 marketplace d.o.o. for services
Country of registration:
Croatia
Registration code:
081441259
Registered office:
Račkoga Street 8, 10000 Zagreb, Croatia
Work email:
support@hive5.com

Regulation and equipment

Licence type:
Unlicensed
Management team
CEO of Hive Finance Group
Krisjanis Znotins
Head of Operations
Inga Zubanove
Head of Marketing and Communications
Karolina Tomaševičė
Verified profiles:
Yes
  • The information is taken from public sources and may not be up to date. Always check the official website.

About the author

Antonio Hernández – Founder of InvantApps

Antonio Hernández

Engineer, economist and founder of Invant APPs. I help you achieve financial freedom through smart investing and passive income.

About Me

Legal notice

Investing in crowdlending and crowdfunding involves risks, including the partial or total loss of the capital invested, and past performance is no guarantee of future results. The content on this site is for information purposes only and reflects our personal experience and opinion: it does not constitute financial or tax advice. Some links are affiliate links; the platform pays us a commission, which does not incur any cost to you nor does it influence our analysis.

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