Hemlo's BRF analysis

Brf Spettet 12

Org. no. 769640-9072 · Lund

Acceptable, with remarksBased on the 2024 annual report · Analysed 24 Jul 2026

Summary

Brf Spettet 12 receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 7,397 kr per square metre and the annual fee is 971 kr per square metre per year. Smaller maintenance fund than 99% of associations in Lund. The analysis highlights, among other things: Hög risk för stambyte eller andra stora VVS-åtgärder, Mycket hög räntekänslighet vid ränteuppgång, Ingen aktuell underhållsplan och mycket gammal fastighet.

Compared with neighbouring associations

  • Higher debt per m² than 64% of associations in Lund
  • Higher fee per m² than 76% of associations in Lund
  • Smaller maintenance fund than 99% of associations in Lund
  • Higher equity ratio than 98% of associations in Lund

Association facts

Municipality
Lund
Built
1929
Apartments
12
Total area
411 m²

Identified risks

  • High risk of pipe replacement (stambyte) or other major plumbing (VVS) worksCritical
  • Very high interest-rate sensitivity in the event of an interest rate increaseCritical
  • No current maintenance plan and a very old propertyCritical

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

Full analysis

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  • Debt per square metre7,397 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 metre971 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 Spettet 12 a financially healthy housing cooperative?
Brf Spettet 12 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 Spettet 12?
The debt is 7,397 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 64% of associations in Lund.
How high is the fee in Brf Spettet 12?
The annual fee is 971 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 Spettet 12 has a health score of 6 out of 10.