Hemlo's BRF analysis
Bostadsrättsföreningen Gnistan 10
Org. no. 769622-2269 · Malmö
Top 8% in Malmö
Summary
Bostadsrättsföreningen Gnistan 10 receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 3,320 kr per square metre and the annual fee is 793 kr per square metre per year. Higher equity ratio than 95% of associations in Malmö. The annual fee has decreased 6% over 1 years. The analysis highlights, among other things: Liten förening med endast 15 lägenheter ger koncentrerad risk, Refinansieringsrisk när lån förfaller inom kort, Låg underhållsfond trots byggnad från 1994.
Compared with neighbouring associations
- Lower debt per m² than 72% of associations in Malmö
- Lower fee per m² than 74% of associations in Malmö
- Smaller maintenance fund than 77% of associations in Malmö
- Higher equity ratio than 95% of associations in Malmö
Trend over time
Key figures from the co-op's recent annual reports.
Association facts
- Municipality
- Malmö
- Built
- 1994
- Apartments
- 15
- Total area
- 1 069 m²
Identified risks
- Small association with only 15 apartments creates concentrated riskHigh
- Refinancing risk when loans mature in the near termHigh
- Low maintenance fund despite building from 1994High
Details, assessments and suggested actions are part of the full analysis.
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- Debt per square metre3,320 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 metre793 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 Gnistan 10 a financially healthy housing cooperative?
- Bostadsrättsföreningen Gnistan 10 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 Gnistan 10?
- The debt is 3,320 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 Gnistan 10?
- The annual fee is 793 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has decreased 6% 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 Gnistan 10 has a health score of 8 out of 10.