Hemlo's BRF analysis

Bostadsrättsföreningen Hybelejen 4

Org. no. 716451-1185 · Karlstad

Acceptable, with remarksBased on the 2025 annual report · Analysed 18 Sept 2026

Summary

Bostadsrättsföreningen Hybelejen 4 receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 7,051 kr per square metre and the annual fee is 651 kr per square metre per year. Lower fee per m² than 75% of associations in Karlstad. The annual fee has increased 12% over 3 years. The analysis highlights, among other things: Hög sannolikhet för kostsamt stambyte, Stor refinansieringsrisk inom kort, Känslig förening för fortsatt ränteuppgång.

Compared with neighbouring associations

  • Higher debt per m² than 61% of associations in Karlstad
  • Lower fee per m² than 75% of associations in Karlstad
  • Higher equity ratio than 63% of associations in Karlstad

Trend over time

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

Fee/m²651 kr/m²
+12% over 3 yr2022–2025
Debt/m²7 051 kr/m²
-17% over 3 yr2022–2025
Equity ratio56 %
+5 pp over 3 yr2022–2025

Association facts

Municipality
Karlstad
Built
1929
Apartments
66
Total area
6 620 m²

Identified risks

  • High likelihood of a costly pipe replacementCritical
  • High refinancing risk in the near termHigh
  • Sensitive association to continued interest rate increasesHigh

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

Full analysis

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  • Debt per square metre7,051 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 metre651 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 Hybelejen 4 a financially healthy housing cooperative?
Bostadsrättsföreningen Hybelejen 4 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 Hybelejen 4?
The debt is 7,051 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 61% of associations in Karlstad.
How high is the fee in Bostadsrättsföreningen Hybelejen 4?
The annual fee is 651 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 12% over 3 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 Hybelejen 4 has a health score of 6 out of 10.