Hemlo's BRF analysis

BF Norrbacka u.p.a.

Org. no. 702001-5439 · Stockholm

Weaknesses presentBased on the 2025 annual report · Analysed 22 Jun 2026

Summary

BF Norrbacka u.p.a. receives Hemlo grade E (4 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 10,466 kr per square metre and the annual fee is 701 kr per square metre per year. Smaller maintenance fund than 100% of associations in Stockholm. The annual fee has increased 4% over 1 years. The analysis highlights, among other things: Hög belåning ökar känsligheten för ränte- och avgiftshöjningar, Mycket hög stambytesrisk i 90-talshus, Underhållsfond saknas helt trots ålderstigen fastighet.

Compared with neighbouring associations

  • Higher debt per m² than 86% of associations in Stockholm
  • Smaller maintenance fund than 100% of associations in Stockholm

Trend over time

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

Fee/m²701 kr/m²
+4% over 1 yr20242025
Debt/m²10 466 kr/m²
-1% over 1 yr20242025
Equity ratio73 %
0 pp over 1 yr20242025

Association facts

Municipality
Stockholm
Built
1929
Apartments
38
Total area
2 463 m²

Identified risks

  • High leverage increases sensitivity to interest rate and fee increasesCritical
  • Very high risk of sewer pipe replacement in 1990s housesCritical
  • The maintenance fund is entirely missing despite the property’s age tier (ålderstigen).High

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

Full analysis

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  • Debt per square metre10,466 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 metre701 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 Norrbacka u.p.a. a financially healthy housing cooperative?
BF Norrbacka u.p.a. receives Hemlo grade E (4 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in BF Norrbacka u.p.a.?
The debt is 10,466 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. Higher debt per m² than 86% of associations in Stockholm.
How high is the fee in BF Norrbacka u.p.a.?
The annual fee is 701 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 4% over 1 years.
What does Hemlo grade E mean?
Hemlo grade E means “Weaknesses present”. 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 Norrbacka u.p.a. has a health score of 4 out of 10.