Hemlo's BRF analysis

Bostadsrättsföreningen Hammarö Sjöstad

Org. no. 769627-9020 · Hammarö

Acceptable, with remarksBased on the 2025 annual report · Analysed 12 Aug 2026

Summary

Bostadsrättsföreningen Hammarö Sjöstad receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 8,893 kr per square metre and the annual fee is 980 kr per square metre per year. Higher fee per m² than 90% of associations in Hammarö. The annual fee has increased 43% over 4 years. The analysis highlights, among other things: Hög räntekänslighet kan driva upp avgifterna, Underhållsfonden kan vara för liten i förhållande till framtida behov, Lånen förfaller samlat inom kort.

Compared with neighbouring associations

  • Higher debt per m² than 80% of associations in Hammarö
  • Higher fee per m² than 90% of associations in Hammarö
  • Larger maintenance fund than 70% of associations in Hammarö
  • Higher equity ratio than 80% of associations in Hammarö

Trend over time

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

Fee/m²980 kr/m²
+43% over 4 yr20212025
Debt/m²8 893 kr/m²
-10% over 4 yr20212025
Equity ratio60 %
+3 pp over 4 yr20212025

Association facts

Municipality
Hammarö
Built
2009
Apartments
58
Total area
4 220 m²

Identified risks

  • High interest rate sensitivity can drive up the feesHigh
  • The maintenance fund may be too small in relation to future needsHigh
  • The loans will all fall due shortly.High

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

Full analysis

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  • Debt per square metre8,893 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 metre980 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 Hammarö Sjöstad a financially healthy housing cooperative?
Bostadsrättsföreningen Hammarö Sjöstad 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 Hammarö Sjöstad?
The debt is 8,893 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 80% of associations in Hammarö.
How high is the fee in Bostadsrättsföreningen Hammarö Sjöstad?
The annual fee is 980 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 43% over 4 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 Hammarö Sjöstad has a health score of 6 out of 10.