Hemlo's BRF analysis

Brf Hummeln 3

Org. no. 769617-3918 · Stockholm

Clear risksBased on the 2023 annual report · Analysed 30 Apr 2026

Summary

Brf Hummeln 3 receives Hemlo grade F (3 out of 10) in Hemlo's independent analysis of the 2023 annual report. The debt is 10,301 kr per square metre and the annual fee is 855 kr per square metre per year. Higher debt per m² than 85% of associations in Stockholm. The annual fee has increased 23% over 4 years. The analysis highlights, among other things: Oklart stambyte i mycket gammal fastighet, Hög skuldsättning med stor refinansieringsrisk, Mycket hög räntekänslighet vid ränteuppgång.

Compared with neighbouring associations

  • Higher debt per m² than 85% of associations in Stockholm
  • Higher fee per m² than 71% of associations in Stockholm
  • Smaller maintenance fund than 65% of associations in Stockholm
  • Lower equity ratio than 67% of associations in Stockholm

Trend over time

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

Fee/m²855 kr/m²
+23% over 4 yr20192023
Debt/m²10 301 kr/m²
-2% over 4 yr20192023
Equity ratio59 %
-1 pp over 4 yr20192023

Association facts

Municipality
Stockholm
Built
1944
Apartments
17
Total area
864 m²

Identified risks

  • Unclear pipework replacement in a very old propertyCritical
  • High indebtedness with a high refinancing riskCritical
  • Very high interest rate sensitivity when interest rates riseHigh

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

Full analysis

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  • Debt per square metre10,301 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 metre855 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 Hummeln 3 a financially healthy housing cooperative?
Brf Hummeln 3 receives Hemlo grade F (3 out of 10) in Hemlo's independent analysis of the 2023 annual report.
How high is the debt in Brf Hummeln 3?
The debt is 10,301 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 85% of associations in Stockholm.
How high is the fee in Brf Hummeln 3?
The annual fee is 855 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 23% over 4 years.
What does Hemlo grade F mean?
Hemlo grade F means “Clear 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 Hummeln 3 has a health score of 3 out of 10.