Hemlo's BRF analysis

HSB Bostadsrättsförening Stigarna i Västerhaninge

Org. no. 769615-7853 · Haninge

Clear risksBased on the 2025 annual report · Analysed 2 Jul 2026

Summary

HSB Bostadsrättsförening Stigarna i Västerhaninge receives Hemlo grade F (3 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 10,765 kr per square metre and the annual fee is 1,209 kr per square metre per year. Higher fee per m² than 100% of associations in Haninge. The annual fee has increased 34% over 3 years. The analysis highlights, among other things: Mycket hög räntekänslighet vid räntestegring, Mycket hög skuldsättning per kvm, Stor refinansieringsrisk 2026–2027.

Compared with neighbouring associations

  • Higher debt per m² than 72% of associations in Haninge
  • Higher fee per m² than 100% of associations in Haninge
  • Smaller maintenance fund than 66% of associations in Haninge
  • Lower equity ratio than 62% of associations in Haninge

Trend over time

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

Fee/m²1 209 kr/m²
+34% over 3 yr20222025
Debt/m²10 765 kr/m²
-11% over 3 yr20222025
Equity ratio44 %
+2 pp over 3 yr20222025

Association facts

Municipality
Haninge
Built
1954
Apartments
326
Total area
18 908 m²

Identified risks

  • Very high interest rate sensitivity when interest rates riseCritical
  • Very high debt per sq. m (m²)Critical
  • High refinancing risk 2026–2027High

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

Full analysis

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  • Debt per square metre10,765 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 metre1,209 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 Stigarna i Västerhaninge a financially healthy housing cooperative?
HSB Bostadsrättsförening Stigarna i Västerhaninge receives Hemlo grade F (3 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in HSB Bostadsrättsförening Stigarna i Västerhaninge?
The debt is 10,765 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. Higher debt per m² than 72% of associations in Haninge.
How high is the fee in HSB Bostadsrättsförening Stigarna i Västerhaninge?
The annual fee is 1,209 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 34% over 3 years.
What does Hemlo grade F mean?
Hemlo grade F means “Clear risks”. 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 Stigarna i Västerhaninge has a health score of 3 out of 10.