Hemlo's BRF analysis
Brf Karlatornet 1:3
Org. no. 769633-2316 · Göteborg
Summary
Brf Karlatornet 1:3 receives Hemlo grade F (3 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 11,095 kr per square metre and the annual fee is 916 kr per square metre per year. Higher equity ratio than 98% of associations in Göteborg. The annual fee has increased 55% over 1 years. The analysis highlights, among other things: Mycket hög räntekänslighet kan tvinga fram kraftiga avgiftshöjningar, Hög skuldsättning per kvm ökar pressen på framtida avgifter, Ingen färdig underhållsplan gör framtida kostnader svåra att förutse.
Compared with neighbouring associations
- Higher debt per m² than 75% of associations in Göteborg
- Higher fee per m² than 71% of associations in Göteborg
- Smaller maintenance fund than 68% of associations in Göteborg
- Higher equity ratio than 98% of associations in Göteborg
Trend over time
Key figures from the co-op's recent annual reports.
Association facts
- Municipality
- Göteborg
- Apartments
- 168
- Total area
- 13 053 m²
Identified risks
- Very high interest-rate sensitivity can force sharp increases in feesCritical
- High debt per sq m increases pressure on future service chargesHigh
- Without a completed maintenance plan, future costs are difficult to predictHigh
Details, assessments and suggested actions are part of the full analysis.
Full analysis
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- Debt per square metre11,095 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 metre916 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 Karlatornet 1:3 a financially healthy housing cooperative?
- Brf Karlatornet 1:3 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 Karlatornet 1:3?
- The debt is 11,095 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 75% of associations in Göteborg.
- How high is the fee in Brf Karlatornet 1:3?
- The annual fee is 916 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 55% 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 Karlatornet 1:3 has a health score of 3 out of 10.