Hemlo's BRF analysis

HSB Bostadsrättsförening Kulltorp i Timrå

Org. no. 716414-2460 · Sundsvall

Acceptable, with remarksBased on the 2025 annual report · Analysed 2 Aug 2026

Summary

HSB Bostadsrättsförening Kulltorp i Timrå receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 5,062 kr per square metre and the annual fee is 1,196 kr per square metre per year. Higher fee per m² than 100% of associations in Sundsvall. The annual fee has increased 6% over 1 years. The analysis highlights, among other things: Stambyte nära och osäker tidplan, Otillräcklig underhållsfond för stora kommande åtgärder, Risk för avgiftshöjning vid kommande investeringar.

Compared with neighbouring associations

  • Higher debt per m² than 81% of associations in Sundsvall
  • Higher fee per m² than 100% of associations in Sundsvall
  • Lower equity ratio than 68% of associations in Sundsvall

Trend over time

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

Fee/m²1 196 kr/m²
+6% over 1 yr20242025
Debt/m²5 062 kr/m²
-2% over 1 yr20242025
Equity ratio24 %
0 pp over 1 yr20242025

Association facts

Municipality
Sundsvall
Built
1955
Apartments
50
Total area
2 973 m²

Identified risks

  • Pipe replacement nearby and uncertain scheduleCritical
  • Insufficient maintenance fund for major upcoming measuresHigh
  • Risk of rent/fee increases with upcoming investmentsHigh

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

Full analysis

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  • Debt per square metre5,062 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 metre1,196 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 Kulltorp i Timrå a financially healthy housing cooperative?
HSB Bostadsrättsförening Kulltorp i Timrå 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 Kulltorp i Timrå?
The debt is 5,062 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 81% of associations in Sundsvall.
How high is the fee in HSB Bostadsrättsförening Kulltorp i Timrå?
The annual fee is 1,196 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 6% 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 Kulltorp i Timrå has a health score of 6 out of 10.