Hemlo's BRF analysis

Brf Insteget

Org. no. 769616-9395 · Stockholm

Clear risksBased on the 2025 annual report · Analysed 22 Jun 2026

Summary

Brf Insteget receives Hemlo grade F (3 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 11,473 kr per square metre and the annual fee is 931 kr per square metre per year. Larger maintenance fund than 90% of associations in Stockholm. The annual fee has increased 11% over 1 years. The analysis highlights, among other things: Mycket hög skuldsättning per kvm, Stambytesrisk i 52-årig fastighet med oklar status, Mycket hög räntekänslighet vid kommande omförhandlingar.

Compared with neighbouring associations

  • Higher debt per m² than 89% of associations in Stockholm
  • Higher fee per m² than 83% of associations in Stockholm
  • Larger maintenance fund than 90% of associations in Stockholm
  • Higher equity ratio than 60% of associations in Stockholm

Trend over time

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

Fee/m²931 kr/m²
+11% over 1 yr20242025
Debt/m²11 473 kr/m²
-1% over 1 yr20242025
Equity ratio76 %
0 pp over 1 yr20242025

Association facts

Municipality
Stockholm
Built
1972
Apartments
255
Total area
9 844 m²

Identified risks

  • Very high debt per sqmCritical
  • Risk of replacing the building’s shafts in a 52-year-old property with unclear statusCritical
  • Very high interest rate sensitivity during upcoming refinancingsCritical

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

Full analysis

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  • Debt per square metre11,473 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 metre931 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 Insteget a financially healthy housing cooperative?
Brf Insteget receives Hemlo grade F (3 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in Brf Insteget?
The debt is 11,473 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 89% of associations in Stockholm.
How high is the fee in Brf Insteget?
The annual fee is 931 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 11% over 1 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 Insteget has a health score of 3 out of 10.