Hemlo's BRF analysis

Brf Vélo 1

Org. no. 769635-8782 · Stockholm

Acceptable, with remarksBased on the 2025 annual report · Analysed 11 Oct 2026

Summary

Brf Vélo 1 receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 14,712 kr per square metre and the annual fee is 893 kr per square metre per year. Higher debt per m² than 94% of associations in Stockholm. The annual fee has been broadly unchanged over the past 1 years. The analysis highlights, among other things: Mycket hög skuldsättning per kvm, Mycket hög räntekänslighet vid omfinansiering, Underhållsfonden är kraftigt underdimensionerad.

Compared with neighbouring associations

  • Higher debt per m² than 94% of associations in Stockholm
  • Higher fee per m² than 76% of associations in Stockholm
  • Higher equity ratio than 70% of associations in Stockholm

Trend over time

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

Fee/m²893 kr/m²
+1% over 1 yr2024–2025
Debt/m²14 712 kr/m²
-1% over 1 yr2024–2025
Equity ratio80 %
0 pp over 1 yr2024–2025

Association facts

Municipality
Stockholm
Built
2022
Apartments
172
Total area
10 366 m²

Identified risks

  • Very high debt per sqmCritical
  • Very high interest-rate sensitivity at refinancingCritical
  • The maintenance fund is significantly underfunded.High

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

Full analysis

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  • Debt per square metre14,712 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 metre893 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 Vélo 1 a financially healthy housing cooperative?
Brf Vélo 1 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 Vélo 1?
The debt is 14,712 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 94% of associations in Stockholm.
How high is the fee in Brf Vélo 1?
The annual fee is 893 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has been broadly unchanged over the past 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 Vélo 1 has a health score of 5 out of 10.