Hemlo's BRF analysis
BRF Sabeln 11
Org. no. 716463-8111 · Umeå
Summary
BRF Sabeln 11 receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 0 kr per square metre and the annual fee is 985 kr per square metre per year. Lower debt per m² than 92% of associations in Umeå. The analysis highlights, among other things: Ingen tydlig underhållsplan och mycket svag renoveringshistorik, Oklart stambytesläge i en 35 år gammal byggnad, Stor låneförfallokoncentration inom kort tid.
Compared with neighbouring associations
- Lower debt per m² than 92% of associations in Umeå
- Higher fee per m² than 75% of associations in Umeå
- Smaller maintenance fund than 65% of associations in Umeå
- Lower equity ratio than 65% of associations in Umeå
Association facts
- Municipality
- Umeå
- Built
- 1990
- Apartments
- 6
- Total area
- 462 m²
Identified risks
- No clear maintenance plan and a very weak renovation historyCritical
- Uncertain pipe replacement stage in a 35-year-old buildingHigh
- High concentration of loan maturities in the short termHigh
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- Debt per square metre0 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 metre985 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 Sabeln 11 a financially healthy housing cooperative?
- BRF Sabeln 11 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 Sabeln 11?
- The debt is 0 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 92% of associations in Umeå.
- How high is the fee in BRF Sabeln 11?
- The annual fee is 985 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 Sabeln 11 has a health score of 7 out of 10.