Hemlo's BRF analysis

HSB Bostadsrättsförening Liljebäck i Kristinehamn

Org. no. 773600-1103 · Kristinehamn

Acceptable, with remarksBased on the 2025 annual report · Analysed 5 Jul 2026

Summary

HSB Bostadsrättsförening Liljebäck i Kristinehamn receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 4,620 kr per square metre and the annual fee is 852 kr per square metre per year. Lower equity ratio than 84% of associations in Kristinehamn. The annual fee has been broadly unchanged over the past 1 years. The analysis highlights, among other things: Mycket låg soliditet ger liten motståndskraft, Låg underhållsfond trots äldre fastighet, Nästan hela lånestocken ska refinansieras inom kort.

Compared with neighbouring associations

  • Lower debt per m² than 80% of associations in Kristinehamn
  • Higher fee per m² than 68% of associations in Kristinehamn
  • Smaller maintenance fund than 72% of associations in Kristinehamn
  • Lower equity ratio than 84% of associations in Kristinehamn

Trend over time

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

Fee/m²852 kr/m²
0% over 1 yr20242025
Debt/m²4 621 kr/m²
+5% over 1 yr20242025
Equity ratio10 %
0 pp over 1 yr20242025

Association facts

Municipality
Kristinehamn
Built
1971
Apartments
84
Total area
5 322 m²

Identified risks

  • Very low solidity gives little resilienceCritical
  • Low maintenance fund despite older propertyCritical
  • Almost the entire loan portfolio will need to be refinanced soon.Critical

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

Full analysis

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  • Debt per square metre4,620 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 metre852 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 Liljebäck i Kristinehamn a financially healthy housing cooperative?
HSB Bostadsrättsförening Liljebäck i Kristinehamn 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 Liljebäck i Kristinehamn?
The debt is 4,620 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 80% of associations in Kristinehamn.
How high is the fee in HSB Bostadsrättsförening Liljebäck i Kristinehamn?
The annual fee is 852 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has been broadly unchanged over the past 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 Liljebäck i Kristinehamn has a health score of 6 out of 10.