Hemlo's BRF analysis

Bostadsrättsföreningen Gärde

Org. no. 787000-0085 · Ljusdal

Strong associationBased on the 2025 annual report · Analysed 27 Jul 2026

Summary

Bostadsrättsföreningen Gärde receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 5,992 kr per square metre and the annual fee is 834 kr per square metre per year. The annual fee has increased 7% over 1 years. The analysis highlights, among other things: Hög risk för nära förestående stambyte, Svag finansiell buffert vid framtida underhåll, Känslighet för räntor kan pressa avgifterna.

Trend over time

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

Fee/m²834 kr/m²
+7% over 1 yr20242025
Debt/m²5 992 kr/m²
-2% over 1 yr20242025
Equity ratio-1 %
+5 pp over 1 yr20242025

Association facts

Municipality
Ljusdal
Built
1954
Apartments
26
Total area
1 548 m²

Identified risks

  • High risk of an imminent pipe replacement (stambyte)Critical
  • Weak financial buffer for future maintenanceCritical
  • Sensitivity to interest rates can put pressure on the feesHigh

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

Full analysis

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  • Debt per square metre5,992 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 metre834 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 Gärde a financially healthy housing cooperative?
Bostadsrättsföreningen Gärde 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 Gärde?
The debt is 5,992 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.
How high is the fee in Bostadsrättsföreningen Gärde?
The annual fee is 834 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 7% over 1 years.
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 Gärde has a health score of 8 out of 10.