Hemlo's BRF analysis

BRF Stenbacken

Org. no. 773600-0774 · Kristinehamn

Stable associationBased on the 2026 annual report · Analysed 4 Oct 2026

Summary

BRF Stenbacken receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2026 annual report. The debt is 3,589 kr per square metre and the annual fee is 725 kr per square metre per year. Lower fee per m² than 80% of associations in Kristinehamn. The annual fee has increased 10% over 2 years. The analysis highlights, among other things: Hög sannolikhet för nära förestående stambyte, Stor risk för fortsatt kraftiga avgiftshöjningar, Låg underhållsreserv i förhållande till husets ålder.

Compared with neighbouring associations

  • Lower debt per m² than 60% of associations in Kristinehamn
  • Lower fee per m² than 80% of associations in Kristinehamn
  • Larger maintenance fund than 80% of associations in Kristinehamn
  • Higher equity ratio than 60% of associations in Kristinehamn

Trend over time

Key figures from the co-op's recent annual reports.

Fee/m²725 kr/m²
+10% over 2 yr2024–2026
Debt/m²3 589 kr/m²
+1% over 2 yr2024–2026
Equity ratio29 %
-2 pp over 2 yr2024–2026

Association facts

Municipality
Kristinehamn
Built
1962
Apartments
73
Total area
4 739 m²

Identified risks

  • High likelihood of an imminent pipe replacementCritical
  • High risk of continued sharp fee increasesCritical
  • Low maintenance reserve in relation to the property’s ageHigh

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

Full analysis

Create a free account to unlock every metric and the full assessment.

  • Debt per square metre3,589 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 metre725 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 Stenbacken a financially healthy housing cooperative?
BRF Stenbacken receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2026 annual report.
How high is the debt in BRF Stenbacken?
The debt is 3,589 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 60% of associations in Kristinehamn.
How high is the fee in BRF Stenbacken?
The annual fee is 725 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 10% over 2 years.
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 Stenbacken has a health score of 7 out of 10.