Hemlo's BRF analysis

Bostadsrättsföreningen Äppelgården 1

Org. no. 769635-6224 · Helsingborg

Acceptable, with remarksBased on the 2025 annual report · Analysed 16 Jun 2026

Summary

Bostadsrättsföreningen Äppelgården 1 receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 12,526 kr per square metre and the annual fee is 1,059 kr per square metre per year. Higher debt per m² than 92% of associations in Helsingborg. The annual fee has been broadly unchanged over the past 1 years. The analysis highlights, among other things: Mycket hög belåning per kvm, Alla lån förfaller inom kort tid, Mycket hög räntekänslighet.

Compared with neighbouring associations

  • Higher debt per m² than 92% of associations in Helsingborg
  • Higher fee per m² than 92% of associations in Helsingborg
  • Smaller maintenance fund than 86% of associations in Helsingborg
  • Higher equity ratio than 80% of associations in Helsingborg

Trend over time

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

Fee/m²1 059 kr/m²
0% over 1 yr20242025
Debt/m²12 526 kr/m²
-1% over 1 yr20242025
Equity ratio68 %
0 pp over 1 yr20242025

Association facts

Municipality
Helsingborg
Built
2023
Apartments
43
Total area
2 972 m²

Identified risks

  • Very high loan-to-value per sqmCritical
  • All loans will fall due within a short period of time.Critical
  • Very high interest rate sensitivityCritical

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

Full analysis

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  • Debt per square metre12,526 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 metre1,059 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 Bostadsrättsföreningen Äppelgården 1 a financially healthy housing cooperative?
Bostadsrättsföreningen Äppelgården 1 receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in Bostadsrättsföreningen Äppelgården 1?
The debt is 12,526 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 92% of associations in Helsingborg.
How high is the fee in Bostadsrättsföreningen Äppelgården 1?
The annual fee is 1,059 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 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. Bostadsrättsföreningen Äppelgården 1 has a health score of 6 out of 10.