Hemlo's BRF analysis

Brf Gnistan i Skövde

Org. no. 769633-3439 · Skövde

Acceptable, with remarksBased on the 2024 annual report · Analysed 3 Jun 2026

Summary

Brf Gnistan i Skövde receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 13,449 kr per square metre and the annual fee is 655 kr per square metre per year. Lower fee per m² than 100% of associations in Skövde. The analysis highlights, among other things: Stor refinansieringsrisk inom kort, Mycket hög skuldsättning per kvm, Extrem räntekänslighet vid ränteuppgång.

Compared with neighbouring associations

  • Higher debt per m² than 80% of associations in Skövde
  • Lower fee per m² than 100% of associations in Skövde
  • Smaller maintenance fund than 90% of associations in Skövde
  • Higher equity ratio than 80% of associations in Skövde

Association facts

Municipality
Skövde
Built
2018
Apartments
24
Total area
2 760 m²

Identified risks

  • High refinancing risk in the near termCritical
  • Very high debt per sqmCritical
  • Extreme interest rate sensitivity when interest rates riseCritical

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

Full analysis

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  • Debt per square metre13,449 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 metre655 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 Gnistan i Skövde a financially healthy housing cooperative?
Brf Gnistan i Skövde receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2024 annual report.
How high is the debt in Brf Gnistan i Skövde?
The debt is 13,449 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 Skövde.
How high is the fee in Brf Gnistan i Skövde?
The annual fee is 655 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
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 Gnistan i Skövde has a health score of 5 out of 10.