Hemlo's BRF analysis
BostadsrAttsfOreningen Kristallen 4
Org. no. 769609-0765 · Stockholm
Summary
BostadsrAttsfOreningen Kristallen 4 receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 9,981 kr per square metre and the annual fee is 997 kr per square metre per year. Higher fee per m² than 90% of associations in Stockholm. The analysis highlights, among other things: Hög skuldsättning kombinerat med låg underhållsreserv, Mycket hög räntekänslighet kan pressa avgifterna kraftigt, Avgiftsnivån är redan hög och har börjat öka.
Compared with neighbouring associations
- Higher debt per m² than 84% of associations in Stockholm
- Higher fee per m² than 90% of associations in Stockholm
- Smaller maintenance fund than 65% of associations in Stockholm
- Lower equity ratio than 87% of associations in Stockholm
Association facts
- Municipality
- Stockholm
- Apartments
- 14
- Total area
- 1 002 m²
Identified risks
- High indebtedness combined with a low maintenance reserveCritical
- Very high interest-rate sensitivity can put the fees under significant pressureCritical
- The fee level is already high and has started to riseHigh
Details, assessments and suggested actions are part of the full analysis.
Full analysis
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- Debt per square metre9,981 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 metre997 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 BostadsrAttsfOreningen Kristallen 4 a financially healthy housing cooperative?
- BostadsrAttsfOreningen Kristallen 4 receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2025 annual report.
- How high is the debt in BostadsrAttsfOreningen Kristallen 4?
- The debt is 9,981 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 84% of associations in Stockholm.
- How high is the fee in BostadsrAttsfOreningen Kristallen 4?
- The annual fee is 997 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
- 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. BostadsrAttsfOreningen Kristallen 4 has a health score of 5 out of 10.