Hemlo's BRF analysis

HSB Bostadsrättsförening Hugin i Karlstad

Org. no. 716411-3545 · Karlstad

Strong associationBased on the 2025 annual report · Analysed 28 Sept 2026

Top 11% in Karlstad

Summary

HSB Bostadsrättsförening Hugin i Karlstad receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 2,576 kr per square metre and the annual fee is 892 kr per square metre per year. Larger maintenance fund than 96% of associations in Karlstad. The annual fee has been broadly unchanged over the past 1 years. The analysis highlights, among other things: Begränsad buffert för stora underhållsåtgärder, Nästan hela lånestocken förfaller inom kort, Stambyte närmar sig i en 40+ år gammal fastighet.

Compared with neighbouring associations

  • Lower debt per m² than 78% of associations in Karlstad
  • Higher fee per m² than 83% of associations in Karlstad
  • Larger maintenance fund than 96% of associations in Karlstad

Trend over time

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

Fee/m²892 kr/m²
+2% over 1 yr2024–2025
Debt/m²2 576 kr/m²
-2% over 1 yr2024–2025
Equity ratio43 %
+4 pp over 1 yr2024–2025

Association facts

Municipality
Karlstad
Built
1983
Apartments
58
Total area
4 093 m²

Identified risks

  • Limited reserve for major maintenance measuresHigh
  • Nearly the entire loan portfolio matures soonHigh
  • Pipe replacement is approaching in a property that is over 40 years old.High

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

Full analysis

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  • Debt per square metre2,576 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 metre892 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 Hugin i Karlstad a financially healthy housing cooperative?
HSB Bostadsrättsförening Hugin i Karlstad receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in HSB Bostadsrättsförening Hugin i Karlstad?
The debt is 2,576 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 78% of associations in Karlstad.
How high is the fee in HSB Bostadsrättsförening Hugin i Karlstad?
The annual fee is 892 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has been broadly unchanged over the past 1 years.
What does Hemlo grade B mean?
Hemlo grade B means “Strong 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 Hugin i Karlstad has a health score of 8 out of 10.