Hemlo's BRF analysis
HSB Bostadsrättsförening Kärnan i Umeå
Org. no. 716415-1677 · Umeå
Summary
HSB Bostadsrättsförening Kärnan i Umeå receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 5,346 kr per square metre and the annual fee is 841 kr per square metre per year. Smaller maintenance fund than 67% of associations in Umeå. The annual fee has increased 3% over 1 years. The analysis highlights, among other things: Mycket låg underhållsfond inför stora framtida åtgärder, Troligen nära stambyte utan dokumenterad status, Stor refinansieringsrisk när majoriteten av lånen förfaller inom två år.
Compared with neighbouring associations
- Lower debt per m² than 66% of associations in Umeå
- Higher fee per m² than 61% of associations in Umeå
- Smaller maintenance fund than 67% of associations in Umeå
- Lower equity ratio than 67% of associations in Umeå
Trend over time
Key figures from the co-op's recent annual reports.
Association facts
- Municipality
- Umeå
- Built
- 1983
- Apartments
- 104
- Total area
- 9 419 m²
Identified risks
- Very low maintenance fund for major future measuresHigh
- Likely close to pipe replacement without documented statusHigh
- High refinancing risk when the majority of loans mature within two yearsHigh
Details, assessments and suggested actions are part of the full analysis.
Full analysis
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- Debt per square metre5,346 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 metre841 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 Kärnan i Umeå a financially healthy housing cooperative?
- HSB Bostadsrättsförening Kärnan i Umeå receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2025 annual report.
- How high is the debt in HSB Bostadsrättsförening Kärnan i Umeå?
- The debt is 5,346 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 66% of associations in Umeå.
- How high is the fee in HSB Bostadsrättsförening Kärnan i Umeå?
- The annual fee is 841 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 C mean?
- Hemlo grade C means “Stable 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 Kärnan i Umeå has a health score of 7 out of 10.