Hemlo's BRF analysis

Brf Visby Skölden 18

Org. no. 769634-3693 · Gotland

Weaknesses presentBased on the 2025 annual report · Analysed 26 Sept 2026

Summary

Brf Visby Skölden 18 receives Hemlo grade E (4 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 13,348 kr per square metre and the annual fee is 500 kr per square metre per year. Higher debt per m² than 95% of associations in Gotland. The annual fee has increased 92% over 2 years. The analysis highlights, among other things: Mycket hög räntekänslighet, Mycket hög skuldsättning per kvm, Svag likviditets- och buffertnivå för framtida underhåll.

Compared with neighbouring associations

  • Higher debt per m² than 95% of associations in Gotland
  • Lower fee per m² than 92% of associations in Gotland
  • Smaller maintenance fund than 70% of associations in Gotland
  • Higher equity ratio than 74% of associations in Gotland

Trend over time

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

Fee/m²500 kr/m²
+92% over 2 yr2023–2025
Debt/m²13 348 kr/m²
-2% over 2 yr2023–2025
Equity ratio78 %
0 pp over 2 yr2023–2025

Association facts

Municipality
Gotland
Built
1956
Apartments
15
Total area
1 216 m²

Identified risks

  • Very high interest-rate sensitivityCritical
  • Very high debt per sqmCritical
  • Low liquidity and buffer level for future maintenanceHigh

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

Full analysis

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  • Debt per square metre13,348 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 metre500 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 Visby Skölden 18 a financially healthy housing cooperative?
Brf Visby Skölden 18 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 Visby Skölden 18?
The debt is 13,348 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 95% of associations in Gotland.
How high is the fee in Brf Visby Skölden 18?
The annual fee is 500 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 92% over 2 years.
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 Visby Skölden 18 has a health score of 4 out of 10.