Hemlo's BRF analysis

HSB Bostadsrättsförening Balder i Karlstad

Org. no. 773200-3418 · Karlstad

Stable associationBased on the 2024 annual report · Analysed 1 Jul 2026

Top 48% in Karlstad

Summary

HSB Bostadsrättsförening Balder i Karlstad receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 1,171 kr per square metre and the annual fee is 694 kr per square metre per year. Larger maintenance fund than 94% of associations in Karlstad. The annual fee has increased 13% over 4 years. The analysis highlights, among other things: Underhållsfonden bedöms otillräcklig för kommande stora åtgärder, Stambytehistorik är oklar trots genomförd åtgärd 2019, Stor refinansieringsrisk inom kort.

Compared with neighbouring associations

  • Lower debt per m² than 80% of associations in Karlstad
  • Lower fee per m² than 61% of associations in Karlstad
  • Larger maintenance fund than 94% of associations in Karlstad

Trend over time

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

Fee/m²694 kr/m²
+13% over 4 yr20202024
Debt/m²1 171 kr/m²
-11% over 4 yr20202024
Equity ratio46 %
-5 pp over 4 yr20202024

Association facts

Municipality
Karlstad
Built
1980
Apartments
114
Total area
7 500 m²

Identified risks

  • The maintenance fund is assessed as insufficient for upcoming major measuresHigh
  • The history of the building replacement is unclear despite the action carried out in 2019High
  • High refinancing risk in the near termHigh

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

Full analysis

Create a free account to unlock every metric and the full assessment.

  • Debt per square metre1,171 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 metre694 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 HSB Bostadsrättsförening Balder i Karlstad a financially healthy housing cooperative?
HSB Bostadsrättsförening Balder i Karlstad receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2024 annual report.
How high is the debt in HSB Bostadsrättsförening Balder i Karlstad?
The debt is 1,171 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 80% of associations in Karlstad.
How high is the fee in HSB Bostadsrättsförening Balder i Karlstad?
The annual fee is 694 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 13% over 4 years.
What does Hemlo grade C mean?
Hemlo grade C means “Stable 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. HSB Bostadsrättsförening Balder i Karlstad has a health score of 7 out of 10.