Hemlo's BRF analysis

HSB Bostadsrättsförening Skalden i Säffle

Org. no. 774400-0378 · Säffle

Acceptable, with remarksBased on the 2024 annual report · Analysed 29 Sept 2026

Summary

HSB Bostadsrättsförening Skalden i Säffle receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 3,953 kr per square metre and the annual fee is 1,095 kr per square metre per year. The annual fee has increased 12% over 1 years. The analysis highlights, among other things: Koncentrerat låneförfall inom kort tid, Svag underhållsberedskap i äldre fastighet, Begränsad finansiell buffert i föreningen.

Trend over time

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

Fee/m²1 095 kr/m²
+12% over 1 yr2023–2024
Debt/m²3 953 kr/m²
-5% over 1 yr2023–2024
Equity ratio22 %
-4 pp over 1 yr2023–2024

Association facts

Municipality
Säffle
Built
1952
Apartments
17
Total area
986 m²

Identified risks

  • Concentrated loan maturities in the near termHigh
  • Weak maintenance preparedness in an older propertyHigh
  • Limited financial buffer in the associationMedium

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

Full analysis

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  • Debt per square metre3,953 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 metre1,095 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 Skalden i Säffle a financially healthy housing cooperative?
HSB Bostadsrättsförening Skalden i Säffle receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2024 annual report.
How high is the debt in HSB Bostadsrättsförening Skalden i Säffle?
The debt is 3,953 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 Skalden i Säffle?
The annual fee is 1,095 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 12% over 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 Skalden i Säffle has a health score of 6 out of 10.