Hemlo's BRF analysis
Brf BoKlok Svärdet
Org. no. 769635-8394 · Gävle
Summary
Brf BoKlok Svärdet receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 12,220 kr per square metre and the annual fee is 876 kr per square metre per year. Higher debt per m² than 93% of associations in Gävle. The analysis highlights, among other things: Mycket hög räntekänslighet ökar risken för framtida avgiftspress, Hög belåning ger stor känslighet för avgiftshöjningar, Låg underhållsberedskap trots nyproducerad fastighet.
Compared with neighbouring associations
- Higher debt per m² than 93% of associations in Gävle
- Higher fee per m² than 74% of associations in Gävle
- Smaller maintenance fund than 69% of associations in Gävle
- Higher equity ratio than 85% of associations in Gävle
Association facts
- Municipality
- Gävle
- Built
- 2019
- Apartments
- 39
- Total area
- 2 850 m²
Identified risks
- Very high interest rate sensitivity increases the risk of future pressure on contributions/feesCritical
- High leverage creates great sensitivity to increases in the fee (service charge).Critical
- Low maintenance reserve despite newly built propertyHigh
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- Debt per square metre12,220 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 metre876 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 BoKlok Svärdet a financially healthy housing cooperative?
- Brf BoKlok Svärdet receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2025 annual report.
- How high is the debt in Brf BoKlok Svärdet?
- The debt is 12,220 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 93% of associations in Gävle.
- How high is the fee in Brf BoKlok Svärdet?
- The annual fee is 876 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 BoKlok Svärdet has a health score of 5 out of 10.