Hemlo

Hemlo's BRF analysis

BRF BYGGMÄSTAREN 13

Org. no. 769623-0551 · Gävle

Acceptable, with remarksBased on the 2024 annual report · Analysed 1 Aug 2026

Summary

BRF BYGGMÄSTAREN 13 receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 6,342 kr per square metre and the annual fee is 630 kr per square metre per year. Smaller maintenance fund than 90% of associations in Gävle. The analysis highlights, among other things: Mycket hög räntekänslighet kan snabbt pressa avgiften, Låneförfall nära i tiden ger refinansieringsrisk, Låg underhållsfond ökar risken för framtida uttaxering.

Compared with neighbouring associations

  • Higher debt per m² than 76% of associations in Gävle
  • Lower fee per m² than 79% of associations in Gävle
  • Smaller maintenance fund than 90% of associations in Gävle
  • Higher equity ratio than 79% of associations in Gävle

Association facts

Municipality
Gävle
Apartments
9
Total area
771 m²

Identified risks

  • Very high interest-rate sensitivity can quickly put pressure on the monthly fee (avgiften).Critical
  • A loan maturity coming up soon creates refinancing riskHigh
  • Low maintenance fund increases the risk of future special assessments (uttaxering)High

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

Full analysis

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  • Debt per square metre6,342 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 metre630 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
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Frequently asked questions

Is BRF BYGGMÄSTAREN 13 a financially healthy housing cooperative?
BRF BYGGMÄSTAREN 13 receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2024 annual report.
How high is the debt in BRF BYGGMÄSTAREN 13?
The debt is 6,342 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 76% of associations in Gävle.
How high is the fee in BRF BYGGMÄSTAREN 13?
The annual fee is 630 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 BYGGMÄSTAREN 13 has a health score of 6 out of 10.