Hemlo's BRF analysis
HSB Bostadsrättsförening Lotsen i Karlstad
Org. no. 716411-2893 · Karlstad
Summary
HSB Bostadsrättsförening Lotsen i Karlstad receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 2,439 kr per square metre and the annual fee is 633 kr per square metre per year. Lower fee per m² than 76% of associations in Karlstad. The annual fee has increased 4% over 2 years. The analysis highlights, among other things: Hög risk för kommande stambyte, Låg underhållsfond i relation till framtida behov, Stor refinansieringsrisk när lån förfaller nära varandra.
Compared with neighbouring associations
- Lower debt per m² than 63% of associations in Karlstad
- Lower fee per m² than 76% of associations in Karlstad
- Larger maintenance fund than 71% of associations in Karlstad
- Lower equity ratio than 76% of associations in Karlstad
Trend over time
Key figures from the co-op's recent annual reports.
Association facts
- Municipality
- Karlstad
- Built
- 1974
- Apartments
- 117
- Total area
- 9 922 m²
Identified risks
- High risk for upcoming pipe replacementCritical
- Low maintenance fund in relation to future needsHigh
- High refinancing risk when loans mature close togetherHigh
Details, assessments and suggested actions are part of the full analysis.
Full analysis
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- Debt per square metre2,439 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 metre633 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 Lotsen i Karlstad a financially healthy housing cooperative?
- HSB Bostadsrättsförening Lotsen i Karlstad receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2024 annual report.
- How high is the debt in HSB Bostadsrättsförening Lotsen i Karlstad?
- The debt is 2,439 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 63% of associations in Karlstad.
- How high is the fee in HSB Bostadsrättsförening Lotsen i Karlstad?
- The annual fee is 633 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 4% over 2 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 Lotsen i Karlstad has a health score of 5 out of 10.