Hemlo's BRF analysis

Brf Adam 12

Org. no. 769611-9580 · Västerås

Acceptable, with remarksBased on the 2025 annual report · Analysed 23 Jul 2026

Summary

Brf Adam 12 receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 5,575 kr per square metre and the annual fee is 827 kr per square metre per year. Smaller maintenance fund than 98% of associations in Västerås. The analysis highlights, among other things: Låg underhållsfond trots äldre fastighet, Koncentrerad refinansieringsrisk inom kort tid, Räntekänslighet som kan slå mot kassaflödet.

Compared with neighbouring associations

  • Higher debt per m² than 61% of associations in Västerås
  • Smaller maintenance fund than 98% of associations in Västerås
  • Higher equity ratio than 66% of associations in Västerås

Association facts

Municipality
Västerås
Built
1947
Apartments
19
Total area
1 260 m²

Identified risks

  • Low maintenance fund despite older propertyHigh
  • Concentrated refinancing risk in the near termHigh
  • Interest rate sensitivity that can hit cash flowMedium

Details, assessments and suggested actions are part of the full analysis.

Full analysis

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  • Debt per square metre5,575 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 metre827 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 Brf Adam 12 a financially healthy housing cooperative?
Brf Adam 12 receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in Brf Adam 12?
The debt is 5,575 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 61% of associations in Västerås.
How high is the fee in Brf Adam 12?
The annual fee is 827 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. Brf Adam 12 has a health score of 6 out of 10.