Hemlo's BRF analysis

HSB Bostadsrättsförening Jägaren i Karlstad

Org. no. 773200-1354 · Karlstad

Acceptable, with remarksBased on the 2025 annual report · Analysed 1 Jul 2026

Summary

HSB Bostadsrättsförening Jägaren i Karlstad receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 5,552 kr per square metre and the annual fee is 755 kr per square metre per year. Lower equity ratio than 87% of associations in Karlstad. The annual fee has increased 58% over 4 years. The analysis highlights, among other things: Möjligt behov av stambyte i 1960-talshus, Stor refinansieringsrisk när nästan halva lånestocken förfaller 2027, Mycket liten underhållsfond i förhållande till framtida behov.

Compared with neighbouring associations

  • Smaller maintenance fund than 71% of associations in Karlstad
  • Lower equity ratio than 87% of associations in Karlstad

Trend over time

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

Fee/m²755 kr/m²
+58% over 4 yr20212025
Debt/m²5 552 kr/m²
+4% over 4 yr20212025
Equity ratio16 %
-2 pp over 4 yr20212025

Association facts

Municipality
Karlstad
Built
1962
Apartments
42
Total area
4 070 m²

Identified risks

  • Possible need for pipe replacement in 1960s buildingsCritical
  • High refinancing risk as nearly half of the loan portfolio matures in 2027High
  • Very small maintenance fund in relation to future needsHigh

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

Full analysis

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  • Debt per square metre5,552 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 metre755 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 Jägaren i Karlstad a financially healthy housing cooperative?
HSB Bostadsrättsförening Jägaren i Karlstad 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 Jägaren i Karlstad?
The debt is 5,552 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 Jägaren i Karlstad?
The annual fee is 755 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 58% over 4 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 Jägaren i Karlstad has a health score of 5 out of 10.