Hemlo's BRF analysis

HSB Bostadsrättsförening Stocken i Karlstad

Org. no. 773200-1263 · Karlstad

Stable associationBased on the 2024 annual report · Analysed 21 Apr 2026

Summary

HSB Bostadsrättsförening Stocken i Karlstad receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 0 kr per square metre and the annual fee is 824 kr per square metre per year. Lower debt per m² than 85% of associations in Karlstad. The annual fee has increased 19% over 3 years. The analysis highlights, among other things: Tomträtt kan ge kraftig avgädsökning, Låg underhållsfond trots äldre fastighet, Många planerade renoveringar kan driva kostnader samtidigt.

Compared with neighbouring associations

  • Lower debt per m² than 85% of associations in Karlstad
  • Higher fee per m² than 74% of associations in Karlstad
  • Larger maintenance fund than 81% of associations in Karlstad
  • Lower equity ratio than 68% of associations in Karlstad

Trend over time

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

Fee/m²824 kr/m²
+19% over 3 yr20212024
Debt/m²2 098 kr/m²
-20% over 3 yr20212024
Equity ratio31 %
+12 pp over 3 yr20212024

Association facts

Municipality
Karlstad
Built
1962
Apartments
180
Total area
12 440 m²

Identified risks

  • Ground lease (tomträtt) can lead to a sharp increase in association fees (avgifter)Critical
  • Low maintenance fund despite an older propertyHigh
  • Many planned renovations can drive costs at the same timeHigh

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

Full analysis

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  • Debt per square metre0 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 metre824 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 Stocken i Karlstad a financially healthy housing cooperative?
HSB Bostadsrättsförening Stocken i Karlstad receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2024 annual report.
How high is the debt in HSB Bostadsrättsförening Stocken i Karlstad?
The debt is 0 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 85% of associations in Karlstad.
How high is the fee in HSB Bostadsrättsförening Stocken i Karlstad?
The annual fee is 824 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 19% over 3 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 Stocken i Karlstad has a health score of 7 out of 10.