Hemlo

Hemlo's BRF analysis

BRF Polarräven i Umeå

Org. no. 769631-5683 · Umeå

Acceptable, with remarksBased on the 2024 annual report · Analysed 7 Jun 2026

Summary

BRF Polarräven i Umeå receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 6,146 kr per square metre and the annual fee is 1,142 kr per square metre per year. Smaller maintenance fund than 100% of associations in Umeå. The analysis highlights, among other things: Hög refinansieringsrisk när alla lån förfaller samtidigt, Avgiftsnivån är redan mycket hög och har ökat kraftigt, Byggnad från 1956 med oklar stambytesstatus.

Compared with neighbouring associations

  • Higher fee per m² than 90% of associations in Umeå
  • Smaller maintenance fund than 100% of associations in Umeå
  • Higher equity ratio than 95% of associations in Umeå

Association facts

Municipality
Umeå
Built
1956
Apartments
16
Total area
1 008 m²

Identified risks

  • High refinancing risk when all loans mature at the same timeCritical
  • The fee level is already very high and has increased significantly.High
  • Building from 1956 with unclear pipe replacement statusHigh

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

Full analysis

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  • Debt per square metre6,146 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 metre1,142 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
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Frequently asked questions

Is BRF Polarräven i Umeå a financially healthy housing cooperative?
BRF Polarräven i Umeå receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2024 annual report.
How high is the debt in BRF Polarräven i Umeå?
The debt is 6,146 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 Polarräven i Umeå?
The annual fee is 1,142 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
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 Polarräven i Umeå has a health score of 6 out of 10.