Hemlo's BRF analysis

HSB Bostadsrättsförening Rudan i Karlstad

Org. no. 773200-1685 · Karlstad

Acceptable, with remarksBased on the 2025 annual report · Analysed 29 Aug 2026

Summary

HSB Bostadsrättsförening Rudan i Karlstad receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 1,337 kr per square metre and the annual fee is 740 kr per square metre per year. Lower debt per m² than 91% of associations in Karlstad. The annual fee has been broadly unchanged over the past 1 years. The analysis highlights, among other things: Möjligt nära förestående stambyte i 1949 års fastighet, Hög andel lån förfaller inom kort, Negativt resultat och begränsat sparande ger svag buffert.

Compared with neighbouring associations

  • Lower debt per m² than 91% of associations in Karlstad
  • Larger maintenance fund than 79% of associations in Karlstad

Trend over time

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

Fee/m²740 kr/m²
+2% over 1 yr2024–2025
Debt/m²1 337 kr/m²
-1% over 1 yr2024–2025
Equity ratio43 %
-2 pp over 1 yr2024–2025

Association facts

Municipality
Karlstad
Built
1949
Apartments
45
Total area
2 954 m²

Identified risks

  • Possible upcoming pipe replacement in the property from 1949Critical
  • High share of loans falling due in the near futureHigh
  • Negative results and limited savings create a weak bufferHigh

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

Full analysis

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  • Debt per square metre1,337 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 metre740 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 Rudan i Karlstad a financially healthy housing cooperative?
HSB Bostadsrättsförening Rudan i Karlstad 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 Rudan i Karlstad?
The debt is 1,337 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 91% of associations in Karlstad.
How high is the fee in HSB Bostadsrättsförening Rudan i Karlstad?
The annual fee is 740 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 Rudan i Karlstad has a health score of 6 out of 10.