Hemlo's BRF analysis

HSB Bostadsrättsförening Hjärpetan i Älvenäs

Org. no. 773200-1503 · Karlstad

Acceptable, with remarksBased on the 2025 annual report · Analysed 19 Sept 2026

Summary

HSB Bostadsrättsförening Hjärpetan i Älvenäs receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 6,631 kr per square metre and the annual fee is 1,109 kr per square metre per year. Higher fee per m² than 98% of associations in Karlstad. The annual fee has increased 24% over 5 years. The analysis highlights, among other things: Stor refinansieringsrisk vid låneförfall 2026, Svag balansräkning med låg soliditet, Hög avgiftsrisk genom stigande årsavgifter.

Compared with neighbouring associations

  • Higher fee per m² than 98% of associations in Karlstad
  • Larger maintenance fund than 65% of associations in Karlstad
  • Lower equity ratio than 88% of associations in Karlstad

Trend over time

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

Fee/m²1 109 kr/m²
+24% over 5 yr2020–2025
Debt/m²6 631 kr/m²
-14% over 5 yr2020–2025
Equity ratio16 %
+7 pp over 5 yr2020–2025

Association facts

Municipality
Karlstad
Built
1957
Apartments
49
Total area
2 425 m²

Identified risks

  • High refinancing risk at loan maturity in 2026Critical
  • Weak balance sheet with low equity ratioHigh
  • High fee risk due to increasing annual chargesHigh

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

Full analysis

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  • Debt per square metre6,631 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 metre1,109 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 Hjärpetan i Älvenäs a financially healthy housing cooperative?
HSB Bostadsrättsförening Hjärpetan i Älvenäs receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in HSB Bostadsrättsförening Hjärpetan i Älvenäs?
The debt is 6,631 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.
How high is the fee in HSB Bostadsrättsförening Hjärpetan i Älvenäs?
The annual fee is 1,109 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 24% over 5 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. HSB Bostadsrättsförening Hjärpetan i Älvenäs has a health score of 6 out of 10.