Hemlo's BRF analysis
BRF Faktorn
Org. no. 789200-1004 · Sundsvall
Top 27% in Sundsvall
Summary
BRF Faktorn receives Hemlo grade B (9 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 3,687 kr per square metre and the annual fee is 863 kr per square metre per year. Smaller maintenance fund than 92% of associations in Sundsvall. The analysis highlights, among other things: Lånen förfaller i omgångar och måste refinansieras, Låg soliditet ger liten buffert vid störningar, Avgifterna är på väg upp i en redan pressad kostnadsbild.
Compared with neighbouring associations
- Higher debt per m² than 64% of associations in Sundsvall
- Smaller maintenance fund than 92% of associations in Sundsvall
- Lower equity ratio than 92% of associations in Sundsvall
Association facts
- Municipality
- Sundsvall
- Built
- 1959
- Apartments
- 46
- Total area
- 2 863 m²
Identified risks
- The loans mature in stages and must be refinanced.High
- Low solidity provides a small buffer against disruptionsHigh
- Service charges are set to rise in an already strained cost structureHigh
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- Debt per square metre3,687 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 metre863 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 Faktorn a financially healthy housing cooperative?
- BRF Faktorn receives Hemlo grade B (9 out of 10) in Hemlo's independent analysis of the 2024 annual report.
- How high is the debt in BRF Faktorn?
- The debt is 3,687 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 64% of associations in Sundsvall.
- How high is the fee in BRF Faktorn?
- The annual fee is 863 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
- 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 Faktorn has a health score of 9 out of 10.