Hemlo's BRF analysis
Bostadsrättsföreningen Karnaphuset
Org. no. 769639-3854 · Malmö
Summary
Bostadsrättsföreningen Karnaphuset receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 14,315 kr per square metre and the annual fee is 948 kr per square metre per year. Smaller maintenance fund than 92% of associations in Malmö. The annual fee has increased 72% over 1 years. The analysis highlights, among other things: Mycket hög skuldsättning per kvm, Extrem räntekänslighet vid framtida omförhandling, Avgiftsnivån kan vara under framtida kostnadstryck.
Compared with neighbouring associations
- Higher debt per m² than 91% of associations in Malmö
- Higher fee per m² than 60% of associations in Malmö
- Smaller maintenance fund than 92% of associations in Malmö
- Higher equity ratio than 86% of associations in Malmö
Trend over time
Key figures from the co-op's recent annual reports.
Association facts
- Municipality
- Malmö
- Built
- 2024
- Apartments
- 70
- Total area
- 5 492 m²
Identified risks
- Very high debt per m²Critical
- Extreme interest-rate sensitivity at future refinancingCritical
- The level of charges may be below future cost pressuresHigh
Details, assessments and suggested actions are part of the full analysis.
Full analysis
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- Debt per square metre14,315 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 Karnaphuset a financially healthy housing cooperative?
- Bostadsrättsföreningen Karnaphuset 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 Karnaphuset?
- The debt is 14,315 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 91% of associations in Malmö.
- How high is the fee in Bostadsrättsföreningen Karnaphuset?
- The annual fee is 948 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 72% over 1 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 Karnaphuset has a health score of 6 out of 10.