Hemlo's BRF analysis

Brf Polarforskaren 12

Org. no. 769608-3620 · Stockholm

Acceptable, with remarksBased on the 2025 annual report · Analysed 8 Aug 2026

Top 48% in Stockholm

Summary

Brf Polarforskaren 12 receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 3,045 kr per square metre and the annual fee is 1,089 kr per square metre per year. Higher fee per m² than 95% of associations in Stockholm. The annual fee has been broadly unchanged over the past 1 years. The analysis highlights, among other things: Samtliga lån förfaller inom kort och måste refinansieras, Tomträtt ger risk för kraftig kostnadsökning vid omförhandling, Kombinationen tomträtt, lånförfall och kommande renovering kan pressa avgiften.

Compared with neighbouring associations

  • Lower debt per m² than 75% of associations in Stockholm
  • Higher fee per m² than 95% of associations in Stockholm
  • Smaller maintenance fund than 84% of associations in Stockholm

Trend over time

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

Fee/m²1 089 kr/m²
0% over 1 yr2024–2025
Debt/m²3 045 kr/m²
-2% over 1 yr2024–2025
Equity ratio72 %
+1 pp over 1 yr2024–2025

Association facts

Municipality
Stockholm
Built
1939
Apartments
12
Total area
546 m²

Identified risks

  • All loans will mature soon and must be refinanced.Critical
  • Ground lease entails risk of a sharp cost increase during renegotiationHigh
  • The combination of a ground lease (tomträtt), loan maturities and upcoming renovations can put pressure on the monthly fee (avgift).High

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

Full analysis

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  • Debt per square metre3,045 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 metre1,089 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 Polarforskaren 12 a financially healthy housing cooperative?
Brf Polarforskaren 12 receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in Brf Polarforskaren 12?
The debt is 3,045 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 75% of associations in Stockholm.
How high is the fee in Brf Polarforskaren 12?
The annual fee is 1,089 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has been broadly unchanged over the past 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 Polarforskaren 12 has a health score of 6 out of 10.