Hemlo's BRF analysis
Brf Terrassen
Org. no. 789600-2396 · Örnsköldsvik
Top 25% in Örnsköldsvik
Summary
Brf Terrassen receives Hemlo grade B (9 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 4,767 kr per square metre and the annual fee is 757 kr per square metre per year. Lower equity ratio than 89% of associations in Örnsköldsvik. The analysis highlights, among other things: Svag soliditet ger liten buffert vid framtida kostnadsökningar, Låg underhållsfond kan leda till framtida extra finansiering, Refinansieringsrisk när större lån förfaller 2025–2026.
Compared with neighbouring associations
- Higher debt per m² than 79% of associations in Örnsköldsvik
- Lower fee per m² than 63% of associations in Örnsköldsvik
- Lower equity ratio than 89% of associations in Örnsköldsvik
Association facts
- Municipality
- Örnsköldsvik
- Built
- 1969
- Apartments
- 84
- Total area
- 6 695 m²
Identified risks
- Weak solidity provides a small buffer against future cost increasesHigh
- Low maintenance fund can lead to future additional financingHigh
- Refinancing risk when larger loans mature 2025–2026High
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- Debt per square metre4,767 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 metre757 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 Terrassen a financially healthy housing cooperative?
- Brf Terrassen receives Hemlo grade B (9 out of 10) in Hemlo's independent analysis of the 2025 annual report.
- How high is the debt in Brf Terrassen?
- The debt is 4,767 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 79% of associations in Örnsköldsvik.
- How high is the fee in Brf Terrassen?
- The annual fee is 757 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 Terrassen has a health score of 9 out of 10.