Hemlo's BRF analysis

Brf Urbani i Hovås

Org. no. 769636-3949 · Göteborg

Acceptable, with remarksBased on the 2025 annual report · Analysed 22 Jun 2026

Summary

Brf Urbani i Hovås receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 12,792 kr per square metre and the annual fee is 929 kr per square metre per year. Higher equity ratio than 89% of associations in Göteborg. The annual fee has increased 13% over 2 years. The analysis highlights, among other things: Mycket hög skuldsättning per kvm, Extrem räntekänslighet vid låneomläggningar, Låg underhållsfond trots planerat långsiktigt underhåll.

Compared with neighbouring associations

  • Higher debt per m² than 84% of associations in Göteborg
  • Higher fee per m² than 74% of associations in Göteborg
  • Larger maintenance fund than 61% of associations in Göteborg
  • Higher equity ratio than 89% of associations in Göteborg

Trend over time

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

Fee/m²929 kr/m²
+13% over 2 yr20232025
Debt/m²12 794 kr/m²
-1% over 2 yr20232025
Equity ratio80 %
0 pp over 2 yr20232025

Association facts

Municipality
Göteborg
Built
2021
Apartments
131
Total area
8 204 m²

Identified risks

  • Very high debt per m²Critical
  • Extreme interest-rate sensitivity during loan refinancingCritical
  • Low maintenance fund despite planned long-term maintenanceHigh

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

Full analysis

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  • Debt per square metre12,792 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 metre929 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 Urbani i Hovås a financially healthy housing cooperative?
Brf Urbani i Hovås receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in Brf Urbani i Hovås?
The debt is 12,792 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 84% of associations in Göteborg.
How high is the fee in Brf Urbani i Hovås?
The annual fee is 929 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 13% over 2 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 Urbani i Hovås has a health score of 6 out of 10.