Hemlo's BRF analysis

Brf Verdandi 4

Org. no. 702002-5123 · Stockholm

Strong associationBased on the 2025 annual report · Analysed 3 Jul 2026

Top 7% in Stockholm

Summary

Brf Verdandi 4 receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 0 kr per square metre and the annual fee is 638 kr per square metre per year. Lower equity ratio than 80% of associations in Stockholm. The annual fee has decreased 3% over 2 years. The analysis highlights, among other things: Hög sannolikhet för kostsamt stambyte i mycket gammalt hus, Låg andel avgiftsintäkter ökar känsligheten för bortfall i lokal- och sidointäkter, Refinansieringsrisk när hela låneportföljen förfaller nästan samtidigt.

Compared with neighbouring associations

  • Lower debt per m² than 67% of associations in Stockholm
  • Lower fee per m² than 67% of associations in Stockholm
  • Larger maintenance fund than 73% of associations in Stockholm
  • Lower equity ratio than 80% of associations in Stockholm

Trend over time

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

Fee/m²638 kr/m²
-3% over 2 yr20232025
Debt/m²1 418 kr/m²
0% over 2 yr20232025
Equity ratio42 %
+2 pp over 2 yr20232025

Association facts

Municipality
Stockholm
Built
1918
Apartments
28
Total area
1 833 m²

Identified risks

  • High likelihood of a costly pipe replacement in a very old buildingCritical
  • Low share of fee income increases sensitivity to losses in premises and ancillary incomeHigh
  • Refinancing risk when the entire loan portfolio is due to fall due almost at the same timeHigh

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

Full analysis

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  • Debt per square metre0 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 metre638 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 Verdandi 4 a financially healthy housing cooperative?
Brf Verdandi 4 receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in Brf Verdandi 4?
The debt is 0 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. Lower debt per m² than 67% of associations in Stockholm.
How high is the fee in Brf Verdandi 4?
The annual fee is 638 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has decreased 3% over 2 years.
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 Verdandi 4 has a health score of 8 out of 10.