Hemlo's BRF analysis

Brf Hammarsmeden

Org. no. 785000-3323 · Gävle

Very strong associationBased on the 2025 annual report · Analysed 25 Aug 2026

Top 3% in Gävle

Summary

Brf Hammarsmeden receives Hemlo grade A (10 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 3,076 kr per square metre and the annual fee is 699 kr per square metre per year. Smaller maintenance fund than 99% of associations in Gävle. The annual fee has increased 7% over 1 years. The analysis highlights, among other things: Ingen underhållsfond trots långsiktigt underhållsbehov, Fastighet från 1972 kräver kontroll av framtida stora renoveringar, Negativ soliditet ger låg ekonomisk buffert.

Compared with neighbouring associations

  • Lower fee per m² than 62% of associations in Gävle
  • Smaller maintenance fund than 99% of associations in Gävle
  • Lower equity ratio than 90% of associations in Gävle

Trend over time

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

Fee/m²699 kr/m²
+7% over 1 yr2024–2025
Debt/m²3 076 kr/m²
+6% over 1 yr2024–2025
Equity ratio-11 %
+2 pp over 1 yr2024–2025

Association facts

Municipality
Gävle
Built
1972
Apartments
126
Total area
7 959 m²

Identified risks

  • No maintenance fund despite long-term maintenance needsCritical
  • Property from 1972 requires control of major future renovationsHigh
  • Negative equity gives a low financial bufferHigh

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

Full analysis

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  • Debt per square metre3,076 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 metre699 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 Hammarsmeden a financially healthy housing cooperative?
Brf Hammarsmeden receives Hemlo grade A (10 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in Brf Hammarsmeden?
The debt is 3,076 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.
How high is the fee in Brf Hammarsmeden?
The annual fee is 699 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 7% over 1 years.
What does Hemlo grade A mean?
Hemlo grade A means “Very 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 Hammarsmeden has a health score of 10 out of 10.