Hemlo's BRF analysis

Brf Svenstorp 3

Org. no. 746000-0636 · Malmö

Stable associationBased on the 2025 annual report · Analysed 29 Aug 2026

Top 21% in Malmö

Summary

Brf Svenstorp 3 receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 9,749 kr per square metre and the annual fee is 1,019 kr per square metre per year. Larger maintenance fund than 86% of associations in Malmö. The annual fee has increased 38% over 2 years. The analysis highlights, among other things: Refinansieringsrisk när flera lån förfaller, Hög skuldsättning kombinerat med svag soliditet, Räntekänslighet kan ge framtida avgiftspress.

Compared with neighbouring associations

  • Higher debt per m² than 65% of associations in Malmö
  • Higher fee per m² than 78% of associations in Malmö
  • Larger maintenance fund than 86% of associations in Malmö
  • Lower equity ratio than 82% of associations in Malmö

Trend over time

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

Fee/m²1 019 kr/m²
+38% over 2 yr2023–2025
Debt/m²9 749 kr/m²
-1% over 2 yr2023–2025
Equity ratio12 %
+4 pp over 2 yr2023–2025

Association facts

Municipality
Malmö
Built
1947
Apartments
120
Total area
6 983 m²

Identified risks

  • Refinancing risk when multiple loans fall dueHigh
  • High indebtedness combined with weak equity (solvency)High
  • Interest-rate sensitivity can lead to future fee pressureMedium

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

Full analysis

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  • Debt per square metre9,749 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 metre1,019 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 Svenstorp 3 a financially healthy housing cooperative?
Brf Svenstorp 3 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 Svenstorp 3?
The debt is 9,749 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 65% of associations in Malmö.
How high is the fee in Brf Svenstorp 3?
The annual fee is 1,019 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 38% 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 Svenstorp 3 has a health score of 7 out of 10.