Hemlo's BRF analysis
Brf Freja 5
Org. no. 769629-0738 · Karlstad
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 0 kr per square metre and the annual fee is 795 kr per square metre per year. Smaller maintenance fund than 97% 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
- Lower debt per m² than 85% of associations in Karlstad
- Higher fee per m² than 63% of associations in Karlstad
- Smaller maintenance fund than 97% of associations in Karlstad
Trend over time
Key figures from the co-op's recent annual reports.
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 metre0 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
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 0 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. Lower debt per m² than 85% 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.