Hemlo's BRF analysis
Bostadsrättsföreningen Skeppsklockan
Org. no. 769639-4506 · Vänersborg
Summary
Bostadsrättsföreningen Skeppsklockan receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 13,776 kr per square metre and the annual fee is 817 kr per square metre per year. Smaller maintenance fund than 96% of associations in Vänersborg. The analysis highlights, among other things: Mycket hög skuldsättning per kvm, Mycket hög räntekänslighet, Koncentrerade låneförfall inom kort tid.
Compared with neighbouring associations
- Higher debt per m² than 78% of associations in Vänersborg
- Lower fee per m² than 70% of associations in Vänersborg
- Smaller maintenance fund than 96% of associations in Vänersborg
- Higher equity ratio than 88% of associations in Vänersborg
Association facts
- Municipality
- Vänersborg
- Built
- 2024
- Apartments
- 45
- Total area
- 3 714 m²
Identified risks
- Very high debt per m²Critical
- Very high interest rate sensitivityCritical
- Concentrated loan maturities in the short termHigh
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- Debt per square metre13,776 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 metre817 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 Skeppsklockan a financially healthy housing cooperative?
- Bostadsrättsföreningen Skeppsklockan receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2025 annual report.
- How high is the debt in Bostadsrättsföreningen Skeppsklockan?
- The debt is 13,776 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 78% of associations in Vänersborg.
- How high is the fee in Bostadsrättsföreningen Skeppsklockan?
- The annual fee is 817 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
- What does Hemlo grade C mean?
- Hemlo grade C means “Stable 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 Skeppsklockan has a health score of 7 out of 10.