Hemlo's BRF analysis
BRF Hermelinen
Org. no. 789200-0774 · Sundsvall
Summary
BRF Hermelinen receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 1,297 kr per square metre and the annual fee is 903 kr per square metre per year. Lower debt per m² than 73% of associations in Sundsvall. The analysis highlights, among other things: Låg underhållsfond i relation till behov, Koncentrerad låneförfallostruktur inom kort tid, Tydligt stigande avgifter.
Compared with neighbouring associations
- Lower debt per m² than 73% of associations in Sundsvall
- Higher fee per m² than 73% of associations in Sundsvall
- Higher equity ratio than 65% of associations in Sundsvall
Association facts
- Municipality
- Sundsvall
- Built
- 1964
- Apartments
- 54
- Total area
- 3 740 m²
Identified risks
- Low maintenance fund in relation to needsHigh
- Concentrated loan maturity structure in the short termHigh
- Clearly increasing feesHigh
Details, assessments and suggested actions are part of the full analysis.
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- Debt per square metre1,297 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 metre903 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 Hermelinen a financially healthy housing cooperative?
- BRF Hermelinen receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report.
- How high is the debt in BRF Hermelinen?
- The debt is 1,297 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 73% of associations in Sundsvall.
- How high is the fee in BRF Hermelinen?
- The annual fee is 903 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 Hermelinen has a health score of 8 out of 10.