Hemlo's BRF analysis
Brf Sintram i Karlskoga
Org. no. 769638-7237 · Karlskoga
Summary
Brf Sintram i Karlskoga receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 9,800 kr per square metre and the annual fee is 702 kr per square metre per year. Lower debt per m² than 100% of associations in Karlskoga. The analysis highlights, among other things: Mycket hög räntekänslighet kan slå hårt mot avgifterna, Stort låneförfall vid samma datum ökar refinansieringsrisken, Låg reservfond ger svag buffert för kommande underhåll.
Compared with neighbouring associations
- Lower debt per m² than 100% of associations in Karlskoga
- Lower fee per m² than 83% of associations in Karlskoga
- Smaller maintenance fund than 92% of associations in Karlskoga
- Higher equity ratio than 100% of associations in Karlskoga
Association facts
- Municipality
- Karlskoga
- Apartments
- 14
- Total area
- 1 571 m²
Identified risks
- Very high interest-rate sensitivity can hit the fees hardCritical
- A large loan maturity on the same date increases the refinancing riskHigh
- Low reserve fund provides a weak buffer for upcoming maintenanceHigh
Details, assessments and suggested actions are part of the full analysis.
Full analysis
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- Debt per square metre9,800 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 metre702 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 Sintram i Karlskoga a financially healthy housing cooperative?
- Brf Sintram i Karlskoga receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2024 annual report.
- How high is the debt in Brf Sintram i Karlskoga?
- The debt is 9,800 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 100% of associations in Karlskoga.
- How high is the fee in Brf Sintram i Karlskoga?
- The annual fee is 702 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 Sintram i Karlskoga has a health score of 7 out of 10.