Hemlo's BRF analysis

Brf Loket 35-36

Org. no. 769600-6787 · Stockholm

Acceptable, with remarksBased on the 2025 annual report · Analysed 26 Jun 2026

Summary

Brf Loket 35-36 receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 1,685 kr per square metre and the annual fee is 422 kr per square metre per year. Lower fee per m² than 92% of associations in Stockholm. The annual fee has increased 8% over 1 years. The analysis highlights, among other things: Återkommande låneförfall ger refinansieringsrisk de kommande åren, Underhållsfonden är mycket svag i förhållande till kommande behov, Låg avgiftsandel gör föreningen beroende av externa intäkter.

Compared with neighbouring associations

  • Lower debt per m² than 88% of associations in Stockholm
  • Lower fee per m² than 92% of associations in Stockholm
  • Smaller maintenance fund than 70% of associations in Stockholm
  • Higher equity ratio than 90% of associations in Stockholm

Trend over time

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

Fee/m²422 kr/m²
+8% over 1 yr2024–2025
Debt/m²1 685 kr/m²
-50% over 1 yr2024–2025
Equity ratio91 %
+7 pp over 1 yr2024–2025

Association facts

Municipality
Stockholm
Built
1927
Apartments
48
Total area
2 968 m²

Identified risks

  • Recurring loan maturities create refinancing risk in the coming yearsHigh
  • The maintenance fund is very weak in relation to upcoming needs.High
  • Low fee share makes the association dependent on external incomeHigh

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

Full analysis

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  • Debt per square metre1,685 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 metre422 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 Loket 35-36 a financially healthy housing cooperative?
Brf Loket 35-36 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 Loket 35-36?
The debt is 1,685 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 88% of associations in Stockholm.
How high is the fee in Brf Loket 35-36?
The annual fee is 422 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 8% over 1 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 Loket 35-36 has a health score of 5 out of 10.