Hemlo's BRF analysis
Bostadsrättsföreningen Spetsen 15-16
Org. no. 769627-1217 · Umeå
Summary
Bostadsrättsföreningen Spetsen 15-16 receives Hemlo grade E (4 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 11,441 kr per square metre and the annual fee is 1,127 kr per square metre per year. Higher fee per m² than 94% of associations in Umeå. The analysis highlights, among other things: Hög skuldsättning i kombination med svag soliditet, Stor låneförfalloklump under 2026, Låg underhållsfond inför kommande investeringar.
Compared with neighbouring associations
- Higher debt per m² than 75% of associations in Umeå
- Higher fee per m² than 94% of associations in Umeå
- Smaller maintenance fund than 73% of associations in Umeå
- Lower equity ratio than 81% of associations in Umeå
Association facts
- Municipality
- Umeå
- Built
- 1955
- Apartments
- 49
- Total area
- 3 051 m²
Identified risks
- High indebtedness in combination with weak equity (solvency)Critical
- Large loan maturity lump in 2026High
- Low maintenance fund for upcoming investmentsHigh
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- Debt per square metre11,441 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 metre1,127 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 Spetsen 15-16 a financially healthy housing cooperative?
- Bostadsrättsföreningen Spetsen 15-16 receives Hemlo grade E (4 out of 10) in Hemlo's independent analysis of the 2025 annual report.
- How high is the debt in Bostadsrättsföreningen Spetsen 15-16?
- The debt is 11,441 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 75% of associations in Umeå.
- How high is the fee in Bostadsrättsföreningen Spetsen 15-16?
- The annual fee is 1,127 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
- What does Hemlo grade E mean?
- Hemlo grade E means “Weaknesses present”. 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 Spetsen 15-16 has a health score of 4 out of 10.