Hemlo's BRF analysis
Bostadsrättsföreningen Tullholmsterrassen
Org. no. 769640-5203 · Karlstad
Summary
Bostadsrättsföreningen Tullholmsterrassen receives Hemlo grade E (4 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 12,936 kr per square metre and the annual fee is 326 kr per square metre per year. Lower fee per m² than 100% of associations in Karlstad. The analysis highlights, among other things: Extrem belåning per kvm, Ingen bokförd kapitalbuffert, Räntekänslig nyproduktion med hög avgiftsrisk.
Compared with neighbouring associations
- Higher debt per m² than 98% of associations in Karlstad
- Lower fee per m² than 100% of associations in Karlstad
- Smaller maintenance fund than 100% of associations in Karlstad
- Higher equity ratio than 96% of associations in Karlstad
Trend over time
Key figures from the co-op's recent annual reports.
Association facts
- Municipality
- Karlstad
- Built
- 2024
- Apartments
- 49
- Total area
- 4 659 m²
Identified risks
- Very high loan-to-value per sqmCritical
- No recorded capital bufferHigh
- Interest-rate sensitive newbuild with high fee riskHigh
Details, assessments and suggested actions are part of the full analysis.
Full analysis
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- Debt per square metre12,936 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 metre326 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 Tullholmsterrassen a financially healthy housing cooperative?
- Bostadsrättsföreningen Tullholmsterrassen 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 Tullholmsterrassen?
- The debt is 12,936 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 98% of associations in Karlstad.
- How high is the fee in Bostadsrättsföreningen Tullholmsterrassen?
- The annual fee is 326 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 Tullholmsterrassen has a health score of 4 out of 10.