Hemlo's BRF analysis

Bostadsrättsföreningen Sadelmakaren 2

Org. no. 769611-4391 · Malmö

Serious risksBased on the 2024 annual report · Analysed 16 Jun 2026

Summary

Bostadsrättsföreningen Sadelmakaren 2 receives Hemlo grade G (2 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 16,029 kr per square metre and the annual fee is 1,404 kr per square metre per year. Higher fee per m² than 100% of associations in Malmö. The annual fee has increased 18% over 1 years. The analysis highlights, among other things: Mycket hög räntekänslighet, Mycket hög skuldsättning per kvm, Ovanligt hög månadsavgift per kvm.

Compared with neighbouring associations

  • Higher debt per m² than 98% of associations in Malmö
  • Higher fee per m² than 100% of associations in Malmö
  • Larger maintenance fund than 66% of associations in Malmö

Trend over time

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

Fee/m²1 404 kr/m²
+18% over 1 yr20232024
Debt/m²16 029 kr/m²
-1% over 1 yr20232024
Equity ratio43 %
0 pp over 1 yr20232024

Association facts

Municipality
Malmö
Built
2005
Apartments
57
Total area
3 358 m²

Identified risks

  • Very high interest rate sensitivityCritical
  • Very high debt per sq mCritical
  • Unusually high monthly service charge per sqmHigh

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

Full analysis

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  • Debt per square metre16,029 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 metre1,404 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 Sadelmakaren 2 a financially healthy housing cooperative?
Bostadsrättsföreningen Sadelmakaren 2 receives Hemlo grade G (2 out of 10) in Hemlo's independent analysis of the 2024 annual report.
How high is the debt in Bostadsrättsföreningen Sadelmakaren 2?
The debt is 16,029 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 98% of associations in Malmö.
How high is the fee in Bostadsrättsföreningen Sadelmakaren 2?
The annual fee is 1,404 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 18% over 1 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 Sadelmakaren 2 has a health score of 2 out of 10.