Hemlo's BRF analysis
Brf Trädgården i Herrhagen
Org. no. 769639-4456 · Karlstad
Summary
Brf Trädgården i Herrhagen receives Hemlo grade E (4 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 11,842 kr per square metre and the annual fee is 901 kr per square metre per year. Higher equity ratio than 88% of associations in Karlstad. The analysis highlights, among other things: Mycket hög räntekänslighet kan snabbt driva upp avgiften, Hög skuldsättning per kvadratmeter ökar risken för framtida avgiftstryck, Gemensamt låneförfall 2027 skapar refinansieringsrisk.
Compared with neighbouring associations
- Higher debt per m² than 86% of associations in Karlstad
- Higher fee per m² than 86% of associations in Karlstad
- Smaller maintenance fund than 70% of associations in Karlstad
- Higher equity ratio than 88% of associations in Karlstad
Association facts
- Municipality
- Karlstad
- Built
- 2020
- Apartments
- 13
- Total area
- 760 m²
Identified risks
- Very high interest-rate sensitivity can quickly push up the association fee.Critical
- High debt per square metre increases the risk of future fee pressureHigh
- Shared loan maturity in 2027 creates refinancing riskHigh
Details, assessments and suggested actions are part of the full analysis.
Full analysis
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- Debt per square metre11,842 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 metre901 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 Trädgården i Herrhagen a financially healthy housing cooperative?
- Brf Trädgården i Herrhagen receives Hemlo grade E (4 out of 10) in Hemlo's independent analysis of the 2025 annual report.
- How high is the debt in Brf Trädgården i Herrhagen?
- The debt is 11,842 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 86% of associations in Karlstad.
- How high is the fee in Brf Trädgården i Herrhagen?
- The annual fee is 901 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
- What does Hemlo grade E mean?
- Hemlo grade E means “Weaknesses present”. 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 Trädgården i Herrhagen has a health score of 4 out of 10.