Hemlo's BRF analysis
BRF Krukan 12
Org. no. 716414-0233 · Sundsvall
Summary
BRF Krukan 12 receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 4,165 kr per square metre and the annual fee is 773 kr per square metre per year. Lower equity ratio than 84% of associations in Sundsvall. The analysis highlights, among other things: Låneförfall 2025–2026 kan ge dyrare refinansiering, Låg soliditet ger svag buffert vid oväntade kostnader, Tydlig avgiftshöjning signalerar pressad ekonomi.
Compared with neighbouring associations
- Higher debt per m² than 77% of associations in Sundsvall
- Smaller maintenance fund than 67% of associations in Sundsvall
- Lower equity ratio than 84% of associations in Sundsvall
Association facts
- Municipality
- Sundsvall
- Built
- 1924
- Apartments
- 26
- Total area
- 1 356 m²
Identified risks
- Loan maturities 2025–2026 may lead to more expensive refinancingHigh
- Low equity ratio provides a weak buffer against unexpected costsHigh
- Clear fee increases signal a strained financial situationHigh
Details, assessments and suggested actions are part of the full analysis.
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- Debt per square metre4,165 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 metre773 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 Krukan 12 a financially healthy housing cooperative?
- BRF Krukan 12 receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2024 annual report.
- How high is the debt in BRF Krukan 12?
- The debt is 4,165 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 77% of associations in Sundsvall.
- How high is the fee in BRF Krukan 12?
- The annual fee is 773 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
- What does Hemlo grade C mean?
- Hemlo grade C means “Stable 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 Krukan 12 has a health score of 7 out of 10.