Hemlo's BRF analysis
Brf Femte Tvärgatan 22
Org. no. 769631-2748 · Gävle
Summary
Brf Femte Tvärgatan 22 receives Hemlo grade E (4 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 7,218 kr per square metre and the annual fee is 737 kr per square metre per year. Smaller maintenance fund than 95% of associations in Gävle. The analysis highlights, among other things: Hög räntekänslighet kan tvinga fram avgiftshöjningar, Mycket låg underhållsfond ökar risken för framtida extrakostnader, Kombination av låg underhållsreserv och hög skuldsättning ger svag motståndskraft.
Compared with neighbouring associations
- Higher debt per m² than 82% of associations in Gävle
- Smaller maintenance fund than 95% of associations in Gävle
- Higher equity ratio than 70% of associations in Gävle
Association facts
- Municipality
- Gävle
- Built
- 1970
- Apartments
- 23
- Total area
- 1 178 m²
Identified risks
- High interest-rate sensitivity can force fee increasesCritical
- Very low maintenance reserve increases the risk of future additional costs.High
- Combination of a low maintenance reserve and high indebtedness results in weak resilienceHigh
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- Debt per square metre7,218 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 metre737 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 Femte Tvärgatan 22 a financially healthy housing cooperative?
- Brf Femte Tvärgatan 22 receives Hemlo grade E (4 out of 10) in Hemlo's independent analysis of the 2025 annual report.
- How high is the debt in Brf Femte Tvärgatan 22?
- The debt is 7,218 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 82% of associations in Gävle.
- How high is the fee in Brf Femte Tvärgatan 22?
- The annual fee is 737 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
- What does Hemlo grade E mean?
- Hemlo grade E means “Weaknesses present”. 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 Femte Tvärgatan 22 has a health score of 4 out of 10.