Hemlo's BRF analysis
Bostadsrättsföreningen Cirkeln
Org. no. 746000-1782 · Malmö
Top 12% in Malmö
Summary
Bostadsrättsföreningen Cirkeln receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 3,355 kr per square metre and the annual fee is 948 kr per square metre per year. Lower equity ratio than 77% of associations in Malmö. The analysis highlights, among other things: Låg underhållsfond ger liten buffert för framtida åtgärder, Hög avgift per kvm tyder på ansträngd kostnadsnivå, Refinansieringsrisk när stora lån förfaller 2026–2028.
Compared with neighbouring associations
- Lower debt per m² than 72% of associations in Malmö
- Higher fee per m² than 60% of associations in Malmö
- Smaller maintenance fund than 72% of associations in Malmö
- Lower equity ratio than 77% of associations in Malmö
Association facts
- Municipality
- Malmö
- Built
- 1936
- Apartments
- 88
- Total area
- 4 380 m²
Identified risks
- Low maintenance fund provides a small buffer for future measuresHigh
- High fee per sq m indicates a strained cost levelHigh
- Refinancing risk when large loans mature 2026–2028Medium
Details, assessments and suggested actions are part of the full analysis.
Full analysis
Create a free account to unlock every metric and the full assessment.
- Debt per square metre3,355 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 metre948 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 Cirkeln a financially healthy housing cooperative?
- Bostadsrättsföreningen Cirkeln receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report.
- How high is the debt in Bostadsrättsföreningen Cirkeln?
- The debt is 3,355 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 72% of associations in Malmö.
- How high is the fee in Bostadsrättsföreningen Cirkeln?
- The annual fee is 948 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
- 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. Bostadsrättsföreningen Cirkeln has a health score of 8 out of 10.