Hemlo's BRF analysis
Brf Backa Lycka i Ale
Org. no. 769620-3228 · Ale
Summary
Brf Backa Lycka i Ale receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 10,433 kr per square metre and the annual fee is 658 kr per square metre per year. Larger maintenance fund than 100% of associations in Ale. The analysis highlights, among other things: Mycket hög räntekänslighet kan driva kraftiga avgiftshöjningar, Hög skuldsättning per kvadratmeter ökar avgifts- och refinansieringsrisk, Klumpiga låneförfall 2026–2027 kan ge dyrare refinansiering.
Compared with neighbouring associations
- Higher debt per m² than 90% of associations in Ale
- Lower fee per m² than 80% of associations in Ale
- Larger maintenance fund than 100% of associations in Ale
- Higher equity ratio than 70% of associations in Ale
Association facts
- Municipality
- Ale
- Built
- 2016
- Apartments
- 18
- Total area
- 1 980 m²
Identified risks
- Very high interest-rate sensitivity can drive sharp increases in homeowners’ feesCritical
- High debt per square metre increases fee and refinancing riskHigh
- Bulky loan maturities in 2026–2027 may lead to more expensive refinancingHigh
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- Debt per square metre10,433 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 metre658 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 Backa Lycka i Ale a financially healthy housing cooperative?
- Brf Backa Lycka i Ale 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 Backa Lycka i Ale?
- The debt is 10,433 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 90% of associations in Ale.
- How high is the fee in Brf Backa Lycka i Ale?
- The annual fee is 658 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 Backa Lycka i Ale has a health score of 6 out of 10.