Hemlo's BRF analysis

HSB Bostadsrättsförening Tapperheten 7 i Malmö

Org. no. 746000-5304 · Malmö

Stable associationBased on the 2024 annual report · Analysed 22 Jul 2026

Top 29% in Malmö

Summary

HSB Bostadsrättsförening Tapperheten 7 i Malmö receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 2,488 kr per square metre and the annual fee is 1,041 kr per square metre per year. Higher fee per m² than 80% of associations in Malmö. The analysis highlights, among other things: Snart förfall av hela låneportföljen kan ge kraftigt högre räntekostnader, Tomträtt innebär risk för kraftigt höjd markkostnad 2029, Låg underhållsfond ger risk för framtida avgiftshöjningar.

Compared with neighbouring associations

  • Lower debt per m² than 78% of associations in Malmö
  • Higher fee per m² than 80% of associations in Malmö
  • Lower equity ratio than 62% of associations in Malmö

Association facts

Municipality
Malmö
Built
1947
Apartments
40
Total area
2 252 m²

Identified risks

  • Soon, the impending maturity of the entire loan portfolio could lead to significantly higher interest costs.Critical
  • A long-term lease of the land (tomträtt) involves a risk of a sharp increase in land costs in 2029High
  • Low maintenance fund poses a risk of future fee increasesHigh

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

Full analysis

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  • Debt per square metre2,488 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 metre1,041 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 Tapperheten 7 i Malmö a financially healthy housing cooperative?
HSB Bostadsrättsförening Tapperheten 7 i Malmö 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 Tapperheten 7 i Malmö?
The debt is 2,488 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 78% of associations in Malmö.
How high is the fee in HSB Bostadsrättsförening Tapperheten 7 i Malmö?
The annual fee is 1,041 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
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 Tapperheten 7 i Malmö has a health score of 7 out of 10.