Hemlo's BRF analysis
Brf Harholmen 3
Org. no. 769618-3206 · Stockholm
Summary
Brf Harholmen 3 receives Hemlo grade G (1 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 16,856 kr per square metre and the annual fee is 687 kr per square metre per year. Smaller maintenance fund than 100% of associations in Stockholm. The annual fee has increased 35% over 2 years. The analysis highlights, among other things: Extrem belåning per kvm, Mycket hög räntekänslighet, Stora låneförfall inom samma period.
Compared with neighbouring associations
- Higher debt per m² than 98% of associations in Stockholm
- Smaller maintenance fund than 100% of associations in Stockholm
- Lower equity ratio than 77% of associations in Stockholm
Trend over time
Key figures from the co-op's recent annual reports.
Association facts
- Municipality
- Stockholm
- Built
- 1968
- Apartments
- 220
- Total area
- 16 773 m²
Identified risks
- Extremely high loan-to-value per square metreCritical
- Very high interest rate sensitivityCritical
- Large loan redemptions within the same periodHigh
Details, assessments and suggested actions are part of the full analysis.
Full analysis
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- Debt per square metre16,856 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 metre687 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 Harholmen 3 a financially healthy housing cooperative?
- Brf Harholmen 3 receives Hemlo grade G (1 out of 10) in Hemlo's independent analysis of the 2025 annual report.
- How high is the debt in Brf Harholmen 3?
- The debt is 16,856 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 98% of associations in Stockholm.
- How high is the fee in Brf Harholmen 3?
- The annual fee is 687 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 35% over 2 years.
- What does Hemlo grade G mean?
- Hemlo grade G means “Serious risks”. 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 Harholmen 3 has a health score of 1 out of 10.