Hemlo's BRF analysis

BRF Lärkträdet

Org. no. 773200-0349 · Karlstad

Stable associationBased on the 2024 annual report · Analysed 24 Jun 2026

Summary

BRF Lärkträdet receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 1,999 kr per square metre and the annual fee is 625 kr per square metre per year. Lower equity ratio than 89% of associations in Karlstad. The annual fee has increased 7% over 1 years. The analysis highlights, among other things: Låg underhållsreserv kan ge framtida avgiftschocker, Okänt stambytesläge skapar dold kostnadsrisk, Svag soliditet och liten ekonomisk buffert.

Compared with neighbouring associations

  • Lower debt per m² than 73% of associations in Karlstad
  • Lower fee per m² than 83% of associations in Karlstad
  • Smaller maintenance fund than 72% of associations in Karlstad
  • Lower equity ratio than 89% of associations in Karlstad

Trend over time

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

Fee/m²625 kr/m²
+7% over 1 yr20232024
Debt/m²1 999 kr/m²
-4% over 1 yr20232024
Equity ratio14 %
+2 pp over 1 yr20232024

Association facts

Municipality
Karlstad
Apartments
25
Total area
1 293 m²

Identified risks

  • Low maintenance reserve can lead to future fee shocksHigh
  • Unknown pipe replacement scenario creates hidden cost riskHigh
  • Weak equity ratio and a small financial bufferHigh

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

Full analysis

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  • Debt per square metre1,999 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 metre625 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 Lärkträdet a financially healthy housing cooperative?
BRF Lärkträdet 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 Lärkträdet?
The debt is 1,999 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 73% of associations in Karlstad.
How high is the fee in BRF Lärkträdet?
The annual fee is 625 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 7% over 1 years.
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 Lärkträdet has a health score of 7 out of 10.