How high is the debt in Brf Freja 5?

The debt is 21,559 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 100% of associations in Karlstad.

How high is the fee in Brf Freja 5?

The annual fee is 795 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 19% over 1 years.

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 Freja 5 has a health score of 4 out of 10.

Hemlo's BRF analysis

Brf Freja 5

Org. no. 769629-0738 · Karlstad

Weaknesses presentBased on the 2024 annual report · Analysed 24 Jun 2026

Summary

Brf Freja 5 receives Hemlo grade E (4 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 21,559 kr per square metre and the annual fee is 795 kr per square metre per year. Higher debt per m² than 100% of associations in Karlstad. The annual fee has increased 19% over 1 years. The analysis highlights, among other things: Mycket hög räntekänslighet vid omfinansiering, Mycket hög skuldsättning per kvm, Stor låneförfallokoncentration under 2025.

Compared with neighbouring associations

Higher debt per m² than 100% of associations in Karlstad
Smaller maintenance fund than 95% of associations in Karlstad

Trend over time

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

Fee/m²795 kr/m²

+19% over 1 yr2023–2024

Debt/m²21 559 kr/m²

+1% over 1 yr2023–2024

Equity ratio45 %

-1 pp over 1 yr2023–2024

Association facts

Municipality: Karlstad
Built: 1934
Apartments: 47
Total area: 2 904 m²

Identified risks

Very high interest rate sensitivity at refinancingCritical
Very high debt per sq mCritical
High concentration of loan maturities during 2025High

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

Full analysis

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Debt per square metre21,559 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 metre795 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 Freja 5 a financially healthy housing cooperative?: Brf Freja 5 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 Freja 5?: The debt is 21,559 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 100% of associations in Karlstad.
How high is the fee in Brf Freja 5?: The annual fee is 795 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 19% over 1 years.
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 Freja 5 has a health score of 4 out of 10.

All 159 analysed associations in Karlstad →