Hemlo's BRF analysis

BF Fram utan personlig ansvarighet

Org. no. 702000-6180 · Stockholm

Strong associationBased on the 2024 annual report · Analysed 30 Apr 2026

Top 8% in Stockholm

Summary

BF Fram utan personlig ansvarighet receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 3,607 kr per square metre and the annual fee is 798 kr per square metre per year. Smaller maintenance fund than 96% of associations in Stockholm. The analysis highlights, among other things: Låga reserver samtidigt som underhåll och räntor sammanfaller, Stor andel lån förfaller samtidigt 2026, Skuldsättning på mellannivå kan bli känslig i liten förening.

Compared with neighbouring associations

  • Higher fee per m² than 61% of associations in Stockholm
  • Smaller maintenance fund than 96% of associations in Stockholm
  • Lower equity ratio than 86% of associations in Stockholm

Association facts

Municipality
Stockholm
Apartments
26
Total area
1 484 m²

Identified risks

  • Low reserves while maintenance and interest coincideHigh
  • Large share of loans due at the same time in 2026High
  • Leverage at a mid-level can be sensitive in a small housing association (BRF).Medium

Details, assessments and suggested actions are part of the full analysis.

Full analysis

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  • Debt per square metre3,607 kr/m²

    Debt per square metre is the association's total loans divided by the total living area — one of the most important financial indicators for a housing cooperative.

  • Fee per square metre798 kr/m²/år

    Fee per square metre makes associations of different sizes comparable.

  • Savings per square metre
  • Fee trend
  • Loan structure and rate terms
  • Interest-rate sensitivity
  • Maintenance plan
  • Planned renovations

Frequently asked questions

Is BF Fram utan personlig ansvarighet a financially healthy housing cooperative?
BF Fram utan personlig ansvarighet receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2024 annual report.
How high is the debt in BF Fram utan personlig ansvarighet?
The debt is 3,607 kr per square metre. Debt per square metre is the association's total loans divided by the total living area — one of the most important financial indicators for a housing cooperative.
How high is the fee in BF Fram utan personlig ansvarighet?
The annual fee is 798 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
What does Hemlo grade B mean?
Hemlo grade B means “Strong association”. The grade scale runs from A to G and is based on Hemlo's health score 0–10 — an independent assessment of the association's annual report. BF Fram utan personlig ansvarighet has a health score of 8 out of 10.