Hemlo's BRF analysis

Brf Cykeln

Org. no. 769632-0477 · Umeå

Strong associationBased on the 2025 annual report · Analysed 29 Jul 2026

Top 37% in Umeå

Summary

Brf Cykeln receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 9,936 kr per square metre and the annual fee is 932 kr per square metre per year. Higher equity ratio than 96% of associations in Umeå. The annual fee has increased 8% over 1 years. The analysis highlights, among other things: Hög skuldsättning med flera lån som ska villkorsändras, Låg underhållsfond ökar risken för framtida avgiftspåslag, Byggår 2016 men okänt stambyte kräver kontroll av framtida underhållsbehov.

Compared with neighbouring associations

  • Higher debt per m² than 69% of associations in Umeå
  • Smaller maintenance fund than 62% of associations in Umeå
  • Higher equity ratio than 96% of associations in Umeå

Trend over time

Key figures from the co-op's recent annual reports.

Fee/m²932 kr/m²
+8% over 1 yr20242025
Debt/m²9 936 kr/m²
-4% over 1 yr20242025
Equity ratio74 %
0 pp over 1 yr20242025

Association facts

Municipality
Umeå
Built
2016
Apartments
128
Total area
6 010 m²

Identified risks

  • High indebtedness with several loans that are due for interest-rate renegotiationCritical
  • Low maintenance fund increases the risk of future fee increasesHigh
  • Built in 2016 but with an unknown pipe replacement (stambyte), requiring a check of future maintenance needs.High

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

Full analysis

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  • Debt per square metre9,936 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 metre932 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 Cykeln a financially healthy housing cooperative?
Brf Cykeln receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in Brf Cykeln?
The debt is 9,936 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 69% of associations in Umeå.
How high is the fee in Brf Cykeln?
The annual fee is 932 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 8% over 1 years.
What does Hemlo grade B mean?
Hemlo grade B means “Strong association”. 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 Cykeln has a health score of 8 out of 10.