Hemlo's BRF analysis
Brf Guldsmeden
Org. no. 789200-4180 · Sundsvall
Summary
Brf Guldsmeden receives Hemlo grade B (8 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 733 kr per square metre per year. Higher equity ratio than 98% of associations in Sundsvall. The analysis highlights, among other things: Omedelbar refinansieringsrisk i ett koncentrerat lån, Hög beroendegrad av avgiftsintäkter och begränsad intäktsdiversifiering, Äldre byggnad med genomfört stambyte men fortsatt åldrande system.
Compared with neighbouring associations
- Lower debt per m² than 93% of associations in Sundsvall
- Lower fee per m² than 70% of associations in Sundsvall
- Larger maintenance fund than 97% of associations in Sundsvall
- Higher equity ratio than 98% of associations in Sundsvall
Association facts
- Municipality
- Sundsvall
- Built
- 1964
- Apartments
- 260
- Total area
- 18 392 m²
Identified risks
- Immediate refinancing risk in a concentrated loanCritical
- High dependence on fee income and limited income diversificationHigh
- Older building with plumbing replacement completed but still ageing systemsHigh
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 metre733 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 Guldsmeden a financially healthy housing cooperative?
- Brf Guldsmeden receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2024 annual report.
- How high is the debt in Brf Guldsmeden?
- 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 93% of associations in Sundsvall.
- How high is the fee in Brf Guldsmeden?
- The annual fee is 733 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
- What does Hemlo grade B mean?
- Hemlo grade B means “Strong association”. 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 Guldsmeden has a health score of 8 out of 10.