Hemlo's BRF analysis

Brf Svarttärnan

Org. no. 769627-9012 · Stockholm

Stable associationBased on the 2025 annual report · Analysed 22 Jun 2026

Top 25% in Stockholm

Summary

Brf Svarttärnan receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 8,817 kr per square metre and the annual fee is 896 kr per square metre per year. Higher fee per m² than 77% of associations in Stockholm. The annual fee has increased 9% over 2 years. The analysis highlights, among other things: Stor del av lånen förfaller inom kort tid, Hög räntekänslighet kan snabbt pressa avgifterna, Tomträtt ger löpande kostnads- och omförhandlingsrisk.

Compared with neighbouring associations

  • Higher debt per m² than 74% of associations in Stockholm
  • Higher fee per m² than 77% of associations in Stockholm
  • Higher equity ratio than 68% of associations in Stockholm

Trend over time

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

Fee/m²896 kr/m²
+9% over 2 yr2023–2025
Debt/m²8 817 kr/m²
-4% over 2 yr2023–2025
Equity ratio79 %
+1 pp over 2 yr2023–2025

Association facts

Municipality
Stockholm
Built
2015
Apartments
66
Total area
4 774 m²

Identified risks

  • A large portion of the loans is due to mature in the near termHigh
  • High interest-rate sensitivity can quickly put pressure on the fees (service charges).High
  • Ground rent (tomträtt) creates ongoing cost and renegotiation riskHigh

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

Full analysis

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  • Debt per square metre8,817 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 metre896 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 Svarttärnan a financially healthy housing cooperative?
Brf Svarttärnan receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in Brf Svarttärnan?
The debt is 8,817 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 74% of associations in Stockholm.
How high is the fee in Brf Svarttärnan?
The annual fee is 896 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 9% 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 Svarttärnan has a health score of 7 out of 10.