Hemlo's BRF analysis
BRF Sävarån
Org. no. 769633-3702 · Umeå
Summary
BRF Sävarån receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 13,781 kr per square metre and the annual fee is 1,060 kr per square metre per year. Higher debt per m² than 100% of associations in Umeå. The annual fee has been broadly unchanged over the past 1 years. The analysis highlights, among other things: Mycket hög skuldsättning per kvm, Flera lån förfaller inom kort tid, Hög avgift per kvm och tydliga avgiftshöjningar nyligen.
Compared with neighbouring associations
- Higher debt per m² than 100% of associations in Umeå
- Higher fee per m² than 85% of associations in Umeå
- Smaller maintenance fund than 73% of associations in Umeå
- Higher equity ratio than 62% of associations in Umeå
Trend over time
Key figures from the co-op's recent annual reports.
Association facts
- Municipality
- Umeå
- Built
- 2018
- Apartments
- 20
- Total area
- 1 548 m²
Identified risks
- Very high debt per sqmCritical
- Several loans are due in the near futureHigh
- High fee per sqm and clear recent fee increasesHigh
Details, assessments and suggested actions are part of the full analysis.
Full analysis
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- Debt per square metre13,781 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 metre1,060 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 Sävarån a financially healthy housing cooperative?
- BRF Sävarån 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 Sävarån?
- The debt is 13,781 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 100% of associations in Umeå.
- How high is the fee in BRF Sävarån?
- The annual fee is 1,060 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 Sävarån has a health score of 6 out of 10.