Hemlo's BRF analysis
Bostadsrättsföreningen S:t Jacobi
Org. no. 735000-0365 · Karlskrona
Top 28% in Karlskrona
Summary
Bostadsrättsföreningen S:t Jacobi receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 2,681 kr per square metre and the annual fee is 934 kr per square metre per year. Higher fee per m² than 86% of associations in Karlskrona. The analysis highlights, among other things: Ensam lånestruktur ger refinansieringsrisk, Hög avgiftsnivå och fortsatt avgiftshöjning, Låg underhållsfond kan kräva framtida kapitaltillskott.
Compared with neighbouring associations
- Lower debt per m² than 69% of associations in Karlskrona
- Higher fee per m² than 86% of associations in Karlskrona
- Smaller maintenance fund than 62% of associations in Karlskrona
Association facts
- Municipality
- Karlskrona
- Apartments
- 57
- Total area
- 3 257 m²
Identified risks
- Single loan structure creates refinancing riskHigh
- High fee level and continued fee increasesHigh
- Low maintenance fund may require future capital contributionsHigh
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- Debt per square metre2,681 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 metre934 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 S:t Jacobi a financially healthy housing cooperative?
- Bostadsrättsföreningen S:t Jacobi receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report.
- How high is the debt in Bostadsrättsföreningen S:t Jacobi?
- The debt is 2,681 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. Lower debt per m² than 69% of associations in Karlskrona.
- How high is the fee in Bostadsrättsföreningen S:t Jacobi?
- The annual fee is 934 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
- What does Hemlo grade B mean?
- Hemlo grade B means “Strong association”. 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 S:t Jacobi has a health score of 8 out of 10.