Hemlo's BRF analysis
HSB Bostadsrättsförening Kuratorn i Umeå
Org. no. 716415-3541 · Umeå
Top 29% in Umeå
Summary
HSB Bostadsrättsförening Kuratorn i Umeå receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 5,748 kr per square metre and the annual fee is 802 kr per square metre per year. Lower equity ratio than 95% of associations in Umeå. The annual fee has increased 5% over 1 years. The analysis highlights, among other things: Samtliga lån ska refinansieras nästan samtidigt 2026, Hög räntekänslighet kan driva upp avgifterna, Stigande årsavgifter visar på pressad framtida ekonomi.
Compared with neighbouring associations
- Lower debt per m² than 65% of associations in Umeå
- Lower fee per m² than 65% of associations in Umeå
- Larger maintenance fund than 85% of associations in Umeå
- Lower equity ratio than 95% of associations in Umeå
Trend over time
Key figures from the co-op's recent annual reports.
Association facts
- Municipality
- Umeå
- Built
- 1988
- Apartments
- 125
- Total area
- 9 773 m²
Identified risks
- All loans are to be refinanced almost simultaneously in 2026.Critical
- High interest rate sensitivity can drive up the fees.High
- Rising annual service charges indicate a strained future financial positionHigh
Details, assessments and suggested actions are part of the full analysis.
Full analysis
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- Debt per square metre5,748 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 metre802 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 Kuratorn i Umeå a financially healthy housing cooperative?
- HSB Bostadsrättsförening Kuratorn i Umeå 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 Kuratorn i Umeå?
- The debt is 5,748 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 65% of associations in Umeå.
- How high is the fee in HSB Bostadsrättsförening Kuratorn i Umeå?
- The annual fee is 802 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 5% over 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 Kuratorn i Umeå has a health score of 8 out of 10.