Hemlo's BRF analysis

Brf Pistolen

Org. no. 716411-2547 · Karlstad

Stable associationBased on the 2025 annual report · Analysed 28 Jul 2026

Summary

Brf Pistolen receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 4,428 kr per square metre and the annual fee is 947 kr per square metre per year. Lower equity ratio than 98% of associations in Karlstad. The annual fee has increased 8% over 2 years. The analysis highlights, among other things: Mycket svag soliditet ger liten buffert mot kostnadsökningar, Osäkerhet kring stammar och framtida stambyte, Låg underhållsfond kan tvinga fram framtida avgiftshöjningar.

Compared with neighbouring associations

  • Higher fee per m² than 93% of associations in Karlstad
  • Smaller maintenance fund than 96% of associations in Karlstad
  • Lower equity ratio than 98% of associations in Karlstad

Trend over time

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

Fee/m²947 kr/m²
+8% over 2 yr20232025
Debt/m²4 543 kr/m²
-4% over 2 yr20232025
Equity ratio6 %
-4 pp over 2 yr20232025

Association facts

Municipality
Karlstad
Apartments
6
Total area
356 m²

Identified risks

  • Very low equity ratio provides little buffer against cost increasesCritical
  • Uncertainty regarding pipework and future pipe replacementHigh
  • Low maintenance fund levels may force future increases in chargesHigh

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

Full analysis

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  • Debt per square metre4,428 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 metre947 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 Pistolen a financially healthy housing cooperative?
Brf Pistolen 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 Pistolen?
The debt is 4,428 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.
How high is the fee in Brf Pistolen?
The annual fee is 947 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 8% over 2 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 Pistolen has a health score of 7 out of 10.