Hemlo's BRF analysis

Bostadsrättsföreningen Björken i Karlstad

Org. no. 773200-1230 · Karlstad

Acceptable, with remarksBased on the 2024 annual report · Analysed 23 Jun 2026

Summary

Bostadsrättsföreningen Björken i Karlstad receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 2,224 kr per square metre and the annual fee is 491 kr per square metre per year. Lower fee per m² than 96% of associations in Karlstad. The annual fee has increased 3% over 1 years. The analysis highlights, among other things: Kortfristiga lån förfaller nära i tid, Svag kapitalbuffert i föreningen, Underhållsfonden är kraftigt underdimensionerad.

Compared with neighbouring associations

  • Lower debt per m² than 84% of associations in Karlstad
  • Lower fee per m² than 96% of associations in Karlstad
  • Smaller maintenance fund than 83% of associations in Karlstad
  • Lower equity ratio than 93% of associations in Karlstad

Trend over time

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

Fee/m²491 kr/m²
+3% over 1 yr2023–2024
Debt/m²2 224 kr/m²
-6% over 1 yr2023–2024
Equity ratio13 %
-1 pp over 1 yr2023–2024

Association facts

Municipality
Karlstad
Built
1959
Apartments
30
Total area
2 098 m²

Identified risks

  • Short-term loans fall due soonCritical
  • Weak capital buffer in the associationHigh
  • The maintenance fund is significantly underfundedHigh

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

Full analysis

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  • Debt per square metre2,224 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 metre491 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 Björken i Karlstad a financially healthy housing cooperative?
Bostadsrättsföreningen Björken i Karlstad receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2024 annual report.
How high is the debt in Bostadsrättsföreningen Björken i Karlstad?
The debt is 2,224 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 84% of associations in Karlstad.
How high is the fee in Bostadsrättsföreningen Björken i Karlstad?
The annual fee is 491 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 3% over 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 Björken i Karlstad has a health score of 5 out of 10.