Hemlo's BRF analysis
Bostadsrättsföreningen Stammen
Org. no. 789200-1475 · Sundsvall
Summary
Bostadsrättsföreningen Stammen receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 5,422 kr per square metre and the annual fee is 704 kr per square metre per year. Lower equity ratio than 95% of associations in Sundsvall. The analysis highlights, among other things: Låg underhållsfond i relation till fastighetens behov, Stor andel lån förfaller inom kort tid, Negativt eget kapital och svag finansiell buffert.
Compared with neighbouring associations
- Higher debt per m² than 87% of associations in Sundsvall
- Lower fee per m² than 79% of associations in Sundsvall
- Smaller maintenance fund than 82% of associations in Sundsvall
- Lower equity ratio than 95% of associations in Sundsvall
Association facts
- Municipality
- Sundsvall
- Built
- 1959
- Apartments
- 118
- Total area
- 7 232 m²
Identified risks
- Low maintenance fund in relation to the property’s needsHigh
- Large share of loans due within a short timeHigh
- Negative equity and a weak financial bufferHigh
Details, assessments and suggested actions are part of the full analysis.
Full analysis
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- Debt per square metre5,422 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 metre704 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 Stammen a financially healthy housing cooperative?
- Bostadsrättsföreningen Stammen receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2024 annual report.
- How high is the debt in Bostadsrättsföreningen Stammen?
- The debt is 5,422 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 87% of associations in Sundsvall.
- How high is the fee in Bostadsrättsföreningen Stammen?
- The annual fee is 704 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
- What does Hemlo grade B mean?
- Hemlo grade B means “Strong 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 Stammen has a health score of 8 out of 10.