Hemlo's BRF analysis
HSB Bostadsrättsförening Handelsmannen i Ludvika
Org. no. 783800-0680 · Ludvika
Summary
HSB Bostadsrättsförening Handelsmannen i Ludvika receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 3,216 kr per square metre and the annual fee is 1,140 kr per square metre per year. Higher fee per m² than 91% of associations in Ludvika. The analysis highlights, among other things: Kraftigt stigande avgifter redan beslutade, Stambyte nära förestående i äldre fastighet, Låg sparnivå i förhållande till kommande underhåll.
Compared with neighbouring associations
- Higher debt per m² than 68% of associations in Ludvika
- Higher fee per m² than 91% of associations in Ludvika
- Larger maintenance fund than 64% of associations in Ludvika
- Lower equity ratio than 86% of associations in Ludvika
Association facts
- Municipality
- Ludvika
- Built
- 1946
- Apartments
- 21
- Total area
- 1 296 m²
Identified risks
- Significantly rising fees already decidedCritical
- Plumbing replacement (pipework replacement) close to an imminent in an older propertyCritical
- Low savings level in relation to upcoming maintenanceHigh
Details, assessments and suggested actions are part of the full analysis.
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- Debt per square metre3,216 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 metre1,140 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 Handelsmannen i Ludvika a financially healthy housing cooperative?
- HSB Bostadsrättsförening Handelsmannen i Ludvika receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2025 annual report.
- How high is the debt in HSB Bostadsrättsförening Handelsmannen i Ludvika?
- The debt is 3,216 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 68% of associations in Ludvika.
- How high is the fee in HSB Bostadsrättsförening Handelsmannen i Ludvika?
- The annual fee is 1,140 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
- 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. HSB Bostadsrättsförening Handelsmannen i Ludvika has a health score of 5 out of 10.