Hemlo's BRF analysis

BRF Stansaren

Org. no. 773200-0141 · Karlstad

Strong associationBased on the 2025 annual report · Analysed 23 Sept 2026

Top 20% in Karlstad

Summary

BRF Stansaren receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 2,708 kr per square metre and the annual fee is 633 kr per square metre per year. Lower equity ratio than 99% of associations in Karlstad. The analysis highlights, among other things: Stambytesrisk i 1960-talshus utan bekräftad åtgärd, Mycket svag soliditet och liten ekonomisk buffert, Mycket låg underhållsfond inför kommande projekt.

Compared with neighbouring associations

  • Lower debt per m² than 75% of associations in Karlstad
  • Lower fee per m² than 79% of associations in Karlstad
  • Smaller maintenance fund than 91% of associations in Karlstad
  • Lower equity ratio than 99% of associations in Karlstad

Association facts

Municipality
Karlstad
Built
1963
Apartments
12
Total area
870 m²

Identified risks

  • Pipe replacement risk in 1960s buildings without a confirmed measureCritical
  • Very weak equity ratio and a small financial bufferCritical
  • Very low maintenance fund ahead of upcoming projectsHigh

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

Full analysis

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  • Debt per square metre2,708 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 metre633 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 Stansaren a financially healthy housing cooperative?
BRF Stansaren receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in BRF Stansaren?
The debt is 2,708 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 75% of associations in Karlstad.
How high is the fee in BRF Stansaren?
The annual fee is 633 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
What does Hemlo grade B mean?
Hemlo grade B means “Strong 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 Stansaren has a health score of 8 out of 10.