Hemlo's BRF analysis

Bostadsrättsföreningen Njord

Org. no. 716422-5968 · Uppsala

Serious risksBased on the 2025 annual report · Analysed 28 Jul 2026

Summary

Bostadsrättsföreningen Njord receives Hemlo grade G (2 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 17,620 kr per square metre and the annual fee is 1,057 kr per square metre per year. Higher debt per m² than 99% of associations in Uppsala. The annual fee has increased 25% over 2 years. The analysis highlights, among other things: Mycket hög skuldsättning per kvm, Stor refinansieringsrisk under 2026, Mycket hög räntekänslighet.

Compared with neighbouring associations

  • Higher debt per m² than 99% of associations in Uppsala
  • Higher fee per m² than 93% of associations in Uppsala
  • Smaller maintenance fund than 94% of associations in Uppsala

Trend over time

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

Fee/m²1 057 kr/m²
+25% over 2 yr20232025
Debt/m²17 620 kr/m²
-7% over 2 yr20232025
Equity ratio55 %
-1 pp over 2 yr20232025

Association facts

Municipality
Uppsala
Built
1886
Apartments
152
Total area
9 812 m²

Identified risks

  • Very high debt per sq mCritical
  • Significant refinancing risk during 2026Critical
  • Very high interest rate sensitivityCritical

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

Full analysis

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  • Debt per square metre17,620 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 metre1,057 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 Njord a financially healthy housing cooperative?
Bostadsrättsföreningen Njord receives Hemlo grade G (2 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in Bostadsrättsföreningen Njord?
The debt is 17,620 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 99% of associations in Uppsala.
How high is the fee in Bostadsrättsföreningen Njord?
The annual fee is 1,057 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 25% over 2 years.
What does Hemlo grade G mean?
Hemlo grade G means “Serious risks”. 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 Njord has a health score of 2 out of 10.