Hemlo's BRF analysis

Bostadsrättsförening Bryggpalatset Karlstad

Org. no. 769635-0904 · Karlstad

Acceptable, with remarksBased on the 2025 annual report · Analysed 30 Jul 2026

Summary

Bostadsrättsförening Bryggpalatset Karlstad receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 11,620 kr per square metre and the annual fee is 913 kr per square metre per year. Higher equity ratio than 90% of associations in Karlstad. The annual fee has increased 44% over 5 years. The analysis highlights, among other things: Mycket hög räntekänslighet vid ränteuppgång, Mycket hög belåning per kvm, Låg underhållsfond i förhållande till behov.

Compared with neighbouring associations

  • Higher debt per m² than 87% of associations in Karlstad
  • Higher fee per m² than 87% of associations in Karlstad
  • Higher equity ratio than 90% of associations in Karlstad

Trend over time

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

Fee/m²913 kr/m²
+44% over 5 yr20202025
Debt/m²11 620 kr/m²
-12% over 5 yr20202025
Equity ratio73 %
+2 pp over 5 yr20202025

Association facts

Municipality
Karlstad
Built
2018
Apartments
45
Total area
3 821 m²

Identified risks

  • Very high interest rate sensitivity when interest rates riseCritical
  • Very high loan-to-value per square metreCritical
  • Low maintenance fund in relation to needsHigh

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

Full analysis

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  • Debt per square metre11,620 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 metre913 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 Bostadsrättsförening Bryggpalatset Karlstad a financially healthy housing cooperative?
Bostadsrättsförening Bryggpalatset Karlstad receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in Bostadsrättsförening Bryggpalatset Karlstad?
The debt is 11,620 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 87% of associations in Karlstad.
How high is the fee in Bostadsrättsförening Bryggpalatset Karlstad?
The annual fee is 913 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 44% over 5 years.
What does Hemlo grade D mean?
Hemlo grade D means “Acceptable, with remarks”. 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. Bostadsrättsförening Bryggpalatset Karlstad has a health score of 6 out of 10.