Hemlo's BRF analysis
Bostadsrättsföreningen Smågårde nr 1
Org. no. 769622-1683 · Gotland
Summary
Bostadsrättsföreningen Smågårde nr 1 receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 2,027 kr per square metre and the annual fee is 487 kr per square metre per year. Lower fee per m² than 93% of associations in Gotland. The analysis highlights, among other things: Ovanligt låg avgiftsnivå kan dölja framtida höjningar, Mycket liten underhållsfond ger svag buffert för framtida arbeten, Ensam lånförfallodag skapar refinansieringsrisk 2027.
Compared with neighbouring associations
- Lower debt per m² than 77% of associations in Gotland
- Lower fee per m² than 93% of associations in Gotland
- Smaller maintenance fund than 86% of associations in Gotland
- Higher equity ratio than 88% of associations in Gotland
Association facts
- Municipality
- Gotland
- Built
- 2006
- Apartments
- 11
- Total area
- 627 m²
Identified risks
- An unusually low fee level may conceal future increasesHigh
- Very small maintenance fund provides a weak buffer for future worksHigh
- Single loan maturity date creates refinancing risk in 2027High
Details, assessments and suggested actions are part of the full analysis.
Full analysis
Create a free account to unlock every metric and the full assessment.
- Debt per square metre2,027 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 metre487 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 Smågårde nr 1 a financially healthy housing cooperative?
- Bostadsrättsföreningen Smågårde nr 1 receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report.
- How high is the debt in Bostadsrättsföreningen Smågårde nr 1?
- The debt is 2,027 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 77% of associations in Gotland.
- How high is the fee in Bostadsrättsföreningen Smågårde nr 1?
- The annual fee is 487 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
- What does Hemlo grade D mean?
- Hemlo grade D means “Acceptable, with remarks”. 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 Smågårde nr 1 has a health score of 6 out of 10.