Hemlo's BRF analysis

Brf Terrassen i Kungsberget

Org. no. 769639-3235 · Sandviken

Acceptable, with remarksBased on the 2025 annual report · Analysed 10 Sept 2026

Summary

Brf Terrassen i Kungsberget receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 11,480 kr per square metre and the annual fee is 1,468 kr per square metre per year. Higher fee per m² than 100% of associations in Sandviken. The annual fee has increased 13% over 1 years. The analysis highlights, among other things: Mycket hög belåning per kvm, Alla lån förfaller samtidigt 2026, Mycket hög räntekänslighet.

Compared with neighbouring associations

  • Higher debt per m² than 98% of associations in Sandviken
  • Higher fee per m² than 100% of associations in Sandviken
  • Smaller maintenance fund than 93% of associations in Sandviken
  • Higher equity ratio than 86% of associations in Sandviken

Trend over time

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

Fee/m²1 468 kr/m²
+13% over 1 yr2024–2025
Debt/m²11 480 kr/m²
-1% over 1 yr2024–2025
Equity ratio67 %
+1 pp over 1 yr2024–2025

Association facts

Municipality
Sandviken
Built
2021
Apartments
16
Total area
784 m²

Identified risks

  • Very high mortgage per sqmCritical
  • All loans fall due at the same time in 2026Critical
  • Very high interest rate sensitivityHigh

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

Full analysis

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  • Debt per square metre11,480 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 metre1,468 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 i Kungsberget a financially healthy housing cooperative?
Brf Terrassen i Kungsberget receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in Brf Terrassen i Kungsberget?
The debt is 11,480 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 98% of associations in Sandviken.
How high is the fee in Brf Terrassen i Kungsberget?
The annual fee is 1,468 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 13% over 1 years.
What does Hemlo grade D mean?
Hemlo grade D means “Acceptable, with remarks”. 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 i Kungsberget has a health score of 5 out of 10.