Hemlo's BRF analysis
Brf Morgondröm i Karlstad
Org. no. 769640-0485 · Karlstad
Summary
Brf Morgondröm i Karlstad receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 12,250 kr per square metre and the annual fee is 650 kr per square metre per year. Higher debt per m² than 93% of associations in Karlstad. The annual fee has increased 15% over 2 years. The analysis highlights, among other things: Mycket hög belåning per kvm, Extrem räntekänslighet, Avgiftsnivån ser låg ut i förhållande till riskbilden.
Compared with neighbouring associations
- Higher debt per m² than 93% of associations in Karlstad
- Lower fee per m² than 76% of associations in Karlstad
- Smaller maintenance fund than 74% of associations in Karlstad
- Higher equity ratio than 83% of associations in Karlstad
Trend over time
Key figures from the co-op's recent annual reports.
Association facts
- Municipality
- Karlstad
- Built
- 2023
- Apartments
- 20
- Total area
- 2 400 m²
Identified risks
- Very high loan-to-value per m²Critical
- Extreme interest rate sensitivityCritical
- The fee level appears low in relation to the risk profile.High
Details, assessments and suggested actions are part of the full analysis.
Full analysis
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- Debt per square metre12,250 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 metre650 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 Morgondröm i Karlstad a financially healthy housing cooperative?
- Brf Morgondröm i Karlstad 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 Morgondröm i Karlstad?
- The debt is 12,250 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 93% of associations in Karlstad.
- How high is the fee in Brf Morgondröm i Karlstad?
- The annual fee is 650 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 15% 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 Morgondröm i Karlstad has a health score of 5 out of 10.