Hemlo's BRF analysis
Brf Gärdan
Org. no. 797000-2106 · Luleå
Summary
Brf Gärdan receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 8,315 kr per square metre and the annual fee is 920 kr per square metre per year. Higher debt per m² than 93% of associations in Luleå. The annual fee has increased 12% over 1 years. The analysis highlights, among other things: Förhöjd skuldsättning ger känslighet för ränte- och avgiftsrisk, Hög refinansieringsrisk inom kort, Svag men acceptabel soliditet med begränsad buffert.
Compared with neighbouring associations
- Higher debt per m² than 93% of associations in Luleå
- Higher fee per m² than 79% of associations in Luleå
- Smaller maintenance fund than 62% of associations in Luleå
- Lower equity ratio than 79% of associations in Luleå
Trend over time
Key figures from the co-op's recent annual reports.
Association facts
- Municipality
- Luleå
- Built
- 1969
- Apartments
- 372
- Total area
- 25 712 m²
Identified risks
- Increased indebtedness creates sensitivity to interest rate and fee riskHigh
- High refinancing risk in the near termHigh
- Weak but acceptable equity ratio with a limited bufferMedium
Details, assessments and suggested actions are part of the full analysis.
Full analysis
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- Debt per square metre8,315 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 metre920 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 Gärdan a financially healthy housing cooperative?
- Brf Gärdan receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report.
- How high is the debt in Brf Gärdan?
- The debt is 8,315 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 93% of associations in Luleå.
- How high is the fee in Brf Gärdan?
- The annual fee is 920 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 12% over 1 years.
- What does Hemlo grade D mean?
- Hemlo grade D means “Acceptable, with remarks”. 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 Gärdan has a health score of 6 out of 10.