Hemlo's BRF analysis

BF Fylgia u.p.a.

Org. no. 702000-6735 · Stockholm

Strong associationBased on the 2025 annual report · Analysed 25 Jun 2026

Top 10% in Stockholm

Summary

BF Fylgia u.p.a. receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 721 kr per square metre and the annual fee is 605 kr per square metre per year. Smaller maintenance fund than 100% of associations in Stockholm. The annual fee has been broadly unchanged over the past 1 years. The analysis highlights, among other things: Negativt eget kapital och ingen underhållsfond, Låneförfall koncentrerade inom kort tid, Begränsad buffert inför planerat underhåll.

Compared with neighbouring associations

  • Lower debt per m² than 64% of associations in Stockholm
  • Lower fee per m² than 72% of associations in Stockholm
  • Smaller maintenance fund than 100% of associations in Stockholm
  • Lower equity ratio than 96% of associations in Stockholm

Trend over time

Key figures from the co-op's recent annual reports.

Fee/m²605 kr/m²
0% over 1 yr20242025
Debt/m²721 kr/m²
-2% over 1 yr20242025
Equity ratio-10 %
+8 pp over 1 yr20242025

Association facts

Municipality
Stockholm
Built
1927
Apartments
19
Total area
1 267 m²

Identified risks

  • Negative equity and no maintenance fundCritical
  • Loan maturities concentrated within a short period of timeHigh
  • Limited buffer for planned maintenanceHigh

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

Full analysis

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  • Debt per square metre721 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 metre605 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 Fylgia u.p.a. a financially healthy housing cooperative?
BF Fylgia u.p.a. receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in BF Fylgia u.p.a.?
The debt is 721 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. Lower debt per m² than 64% of associations in Stockholm.
How high is the fee in BF Fylgia u.p.a.?
The annual fee is 605 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has been broadly unchanged over the past 1 years.
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 Fylgia u.p.a. has a health score of 8 out of 10.