Hemlo's BRF analysis

Brf Karpdammen nr 4

Org. no. 769601-8071 · Stockholm

Acceptable, with remarksBased on the 2025 annual report · Analysed 19 Jul 2026

Summary

Brf Karpdammen nr 4 receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 0 kr per square metre and the annual fee is 1,002 kr per square metre per year. Higher fee per m² than 90% of associations in Stockholm. The annual fee has increased 22% over 2 years. The analysis highlights, among other things: Känslig förening vid ränteuppgång, Tomträtt kan ge framtida avgiftspress, Hög refinansieringsrisk när alla lån förfaller 2026.

Compared with neighbouring associations

  • Lower debt per m² than 66% of associations in Stockholm
  • Higher fee per m² than 90% of associations in Stockholm
  • Larger maintenance fund than 81% of associations in Stockholm
  • Lower equity ratio than 73% of associations in Stockholm

Trend over time

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

Fee/m²1 002 kr/m²
+22% over 2 yr20232025
Debt/m²7 523 kr/m²
-1% over 2 yr20232025
Equity ratio52 %
-1 pp over 2 yr20232025

Association facts

Municipality
Stockholm
Built
1999
Apartments
35
Total area
2 824 m²

Identified risks

  • Sensitive association in the event of an interest rate increaseHigh
  • Ground lease (tomträtt) can create future pressure on membership fees.High
  • High refinancing risk when all loans mature in 2026High

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

Full analysis

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  • Debt per square metre0 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 metre1,002 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 Karpdammen nr 4 a financially healthy housing cooperative?
Brf Karpdammen nr 4 receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in Brf Karpdammen nr 4?
The debt is 0 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 66% of associations in Stockholm.
How high is the fee in Brf Karpdammen nr 4?
The annual fee is 1,002 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 22% over 2 years.
What does Hemlo grade D mean?
Hemlo grade D means “Acceptable, with remarks”. 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 Karpdammen nr 4 has a health score of 5 out of 10.