Hemlo's BRF analysis
Bostadsrättsföreningen Sadelmakaren 3
Org. no. 769611-4409 · Malmö
Summary
Bostadsrättsföreningen Sadelmakaren 3 receives Hemlo grade G (2 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 11,416 kr per square metre and the annual fee is 1,170 kr per square metre per year. Higher fee per m² than 94% of associations in Malmö. The annual fee has increased 14% over 1 years. The analysis highlights, among other things: Mycket hög belåning per kvm, Hög räntekänslighet kan driva upp avgiften, Låg underhållsfond ökar risken för framtida avgiftshöjningar.
Compared with neighbouring associations
- Higher debt per m² than 71% of associations in Malmö
- Higher fee per m² than 94% of associations in Malmö
Trend over time
Key figures from the co-op's recent annual reports.
Association facts
- Municipality
- Malmö
- Built
- 2005
- Apartments
- 55
- Total area
- 3 358 m²
Identified risks
- Very high loan-to-value per sqmCritical
- High interest rate sensitivity can drive up the monthly fee.Critical
- Low maintenance fund increases the risk of future rent (service charge) increasesHigh
Details, assessments and suggested actions are part of the full analysis.
Full analysis
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- Debt per square metre11,416 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 metre1,170 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 3 a financially healthy housing cooperative?
- Bostadsrättsföreningen Sadelmakaren 3 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 Sadelmakaren 3?
- The debt is 11,416 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 71% of associations in Malmö.
- How high is the fee in Bostadsrättsföreningen Sadelmakaren 3?
- The annual fee is 1,170 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 14% 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 3 has a health score of 2 out of 10.