Hemlo's BRF analysis

Brf Fisken 21

Org. no. 769628-0499 · Karlstad

Weaknesses presentBased on the 2024 annual report · Analysed 11 Oct 2026

Summary

Brf Fisken 21 receives Hemlo grade E (4 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 11,124 kr per square metre and the annual fee is 1,279 kr per square metre per year. Higher fee per m² than 99% of associations in Karlstad. The analysis highlights, among other things: Oklar stambyteshistorik i 1950-talshus, Mycket hög räntekänslighet i förhållande till intäkterna, Låg underhållsfond inför framtida renoveringsbehov.

Compared with neighbouring associations

  • Higher debt per m² than 80% of associations in Karlstad
  • Higher fee per m² than 99% of associations in Karlstad
  • Smaller maintenance fund than 90% of associations in Karlstad

Association facts

Municipality
Karlstad
Built
1954
Apartments
10
Total area
638 m²

Identified risks

  • Unclear pipe replacement history in 1950s buildingsCritical
  • Very high interest-rate sensitivity in relation to incomeCritical
  • Low maintenance fund for future renovation needsHigh

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

Full analysis

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  • Debt per square metre11,124 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 metre1,279 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 Fisken 21 a financially healthy housing cooperative?
Brf Fisken 21 receives Hemlo grade E (4 out of 10) in Hemlo's independent analysis of the 2024 annual report.
How high is the debt in Brf Fisken 21?
The debt is 11,124 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 80% of associations in Karlstad.
How high is the fee in Brf Fisken 21?
The annual fee is 1,279 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 Fisken 21 has a health score of 4 out of 10.