Hemlo's BRF analysis
HSB Bostadsrättsförening Karbinen i Umeå
Org. no. 794000-0909 · Umeå
Summary
HSB Bostadsrättsförening Karbinen i Umeå receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 10,589 kr per square metre and the annual fee is 1,045 kr per square metre per year. Lower equity ratio than 92% of associations in Umeå. The annual fee has increased 3% over 1 years. The analysis highlights, among other things: Stor refinansieringsrisk inom kort, Mycket hög skuldsättning kombinerad med låg soliditet, Avgiftsnivån är redan hög.
Compared with neighbouring associations
- Higher debt per m² than 77% of associations in Umeå
- Higher fee per m² than 81% of associations in Umeå
- Lower equity ratio than 92% of associations in Umeå
Trend over time
Key figures from the co-op's recent annual reports.
Association facts
- Municipality
- Umeå
- Built
- 1949
- Apartments
- 71
- Total area
- 4 107 m²
Identified risks
- Significant refinancing risk in the near termCritical
- Very high indebtedness combined with low equity ratioCritical
- The fee level is already high.High
Details, assessments and suggested actions are part of the full analysis.
Full analysis
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- Debt per square metre10,589 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 metre1,045 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 Karbinen i Umeå a financially healthy housing cooperative?
- HSB Bostadsrättsförening Karbinen i Umeå 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 Karbinen i Umeå?
- The debt is 10,589 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 77% of associations in Umeå.
- How high is the fee in HSB Bostadsrättsförening Karbinen i Umeå?
- The annual fee is 1,045 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 3% over 1 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 Karbinen i Umeå has a health score of 6 out of 10.