Hemlo's BRF analysis

HSB Bostadsrättsförening Loke i Karlstad

Org. no. 716411-2752 · Karlstad

Stable associationBased on the 2025 annual report · Analysed 2 Oct 2026

Top 45% in Karlstad

Summary

HSB Bostadsrättsförening Loke i Karlstad receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 5,242 kr per square metre and the annual fee is 802 kr per square metre per year. Larger maintenance fund than 77% of associations in Karlstad. The annual fee has increased 5% over 1 years. The analysis highlights, among other things: Låg underhållsfond i förhållande till kommande behov, Hög räntesensitivitet kan driva upp avgifterna, Stammarna närmar sig sannolikt större åtgärdsbehov.

Compared with neighbouring associations

  • Higher fee per m² than 63% of associations in Karlstad
  • Larger maintenance fund than 77% of associations in Karlstad

Trend over time

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

Fee/m²802 kr/m²
+5% over 1 yr2024–2025
Debt/m²5 242 kr/m²
+6% over 1 yr2024–2025
Equity ratio47 %
-1 pp over 1 yr2024–2025

Association facts

Municipality
Karlstad
Built
1990
Apartments
39
Total area
2 822 m²

Identified risks

  • Low maintenance fund in relation to upcoming needsCritical
  • High interest-rate sensitivity can drive up the feesHigh
  • The buildings’ main stacks are likely to be approaching greater maintenance needsHigh

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

Full analysis

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  • Debt per square metre5,242 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 Loke i Karlstad a financially healthy housing cooperative?
HSB Bostadsrättsförening Loke i Karlstad 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 Loke i Karlstad?
The debt is 5,242 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.
How high is the fee in HSB Bostadsrättsförening Loke i Karlstad?
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 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 Loke i Karlstad has a health score of 7 out of 10.