Hemlo's BRF analysis

Brf Nattviolen

Org. no. 769637-3518 · Karlstad

Stable associationBased on the 2025 annual report · Analysed 29 Aug 2026

Summary

Brf Nattviolen receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 10,101 kr per square metre and the annual fee is 707 kr per square metre per year. Higher debt per m² than 79% of associations in Karlstad. The analysis highlights, among other things: Hög belåning kombinerat med mycket hög räntekänslighet, Underhållsfonden verkar underfinansierad, Samlad refinansieringsrisk inom tre år.

Compared with neighbouring associations

  • Higher debt per m² than 79% of associations in Karlstad
  • Larger maintenance fund than 67% of associations in Karlstad
  • Higher equity ratio than 78% of associations in Karlstad

Association facts

Municipality
Karlstad
Built
2021
Apartments
24
Total area
2 556 m²

Identified risks

  • High leverage combined with very high interest-rate sensitivityCritical
  • The maintenance fund appears underfundedHigh
  • Aggregated refinancing risk within three yearsHigh

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

Full analysis

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  • Debt per square metre10,101 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 metre707 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 Nattviolen a financially healthy housing cooperative?
Brf Nattviolen receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in Brf Nattviolen?
The debt is 10,101 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 79% of associations in Karlstad.
How high is the fee in Brf Nattviolen?
The annual fee is 707 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 Nattviolen has a health score of 7 out of 10.