Hemlo's BRF analysis
Bostadsrättsföreningen Kavaljeren i Umeå
Org. no. 769628-8559 · Umeå
Summary
Bostadsrättsföreningen Kavaljeren i Umeå receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 13,129 kr per square metre and the annual fee is 1,181 kr per square metre per year. Higher fee per m² than 100% of associations in Umeå. The annual fee has been broadly unchanged over the past 1 years. The analysis highlights, among other things: Låg underhållsfond ger svag buffert för framtida kostnader, Måttlig skuldsättning kan ge framtida avgiftspress vid refinansiering, Saknar jämförbara försäljningsdata för att bedöma prisnivå.
Compared with neighbouring associations
- Higher debt per m² than 96% of associations in Umeå
- Higher fee per m² than 100% of associations in Umeå
- Higher equity ratio than 77% of associations in Umeå
Trend over time
Key figures from the co-op's recent annual reports.
Association facts
- Municipality
- Umeå
- Built
- 2015
- Apartments
- 44
- Total area
- 2 334 m²
Identified risks
- Low maintenance reserve provides a weak buffer for future costsHigh
- Moderate indebtedness can create future fee pressure during refinancingMedium
- Lacks comparable sales data to assess the price levelMedium
Details, assessments and suggested actions are part of the full analysis.
Full analysis
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- Debt per square metre13,129 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 metre1,181 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 Kavaljeren i Umeå a financially healthy housing cooperative?
- Bostadsrättsföreningen Kavaljeren i Umeå receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2025 annual report.
- How high is the debt in Bostadsrättsföreningen Kavaljeren i Umeå?
- The debt is 13,129 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 96% of associations in Umeå.
- How high is the fee in Bostadsrättsföreningen Kavaljeren i Umeå?
- The annual fee is 1,181 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has been broadly unchanged over the past 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 Kavaljeren i Umeå has a health score of 5 out of 10.