Hemlo's BRF analysis
De Fem Elementen
Org. no. 769632-8777 · Sundbyberg
Summary
De Fem Elementen receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 14,260 kr per square metre and the annual fee is 946 kr per square metre per year. Higher debt per m² than 93% of associations in Sundbyberg. The annual fee has increased 10% over 1 years. The analysis highlights, among other things: Mycket hög räntekänslighet, Mycket hög skuldsättning per kvm, Stora lån förfaller samtidigt 2026.
Compared with neighbouring associations
- Higher debt per m² than 93% of associations in Sundbyberg
- Higher fee per m² than 74% of associations in Sundbyberg
- Smaller maintenance fund than 61% of associations in Sundbyberg
- Higher equity ratio than 66% of associations in Sundbyberg
Trend over time
Key figures from the co-op's recent annual reports.
Association facts
- Municipality
- Sundbyberg
- Built
- 2019
- Apartments
- 95
- Total area
- 7 354 m²
Identified risks
- Very high interest rate sensitivityCritical
- Very high debt per square metre (kvm)Critical
- Large loans fall due at the same time in 2026High
Details, assessments and suggested actions are part of the full analysis.
Full analysis
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- Debt per square metre14,260 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 metre946 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 De Fem Elementen a financially healthy housing cooperative?
- De Fem Elementen receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report.
- How high is the debt in De Fem Elementen?
- The debt is 14,260 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 93% of associations in Sundbyberg.
- How high is the fee in De Fem Elementen?
- The annual fee is 946 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 10% over 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. De Fem Elementen has a health score of 6 out of 10.