Hemlo's BRF analysis
HSB Bostadsrättsföreningen Malmtorget i Karlstad
Org. no. 769615-6582 · Karlstad
Top 43% in Karlstad
Summary
HSB Bostadsrättsföreningen Malmtorget i Karlstad receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 5,609 kr per square metre and the annual fee is 891 kr per square metre per year. Higher fee per m² than 84% of associations in Karlstad. The analysis highlights, among other things: Mycket svag underhållsreserv i förhållande till åldern, Stambyte kan vara nära förestående, Stor refinansieringsrisk när nästan hela lånestocken förfaller 2026.
Compared with neighbouring associations
- Higher debt per m² than 61% of associations in Karlstad
- Higher fee per m² than 84% of associations in Karlstad
- Smaller maintenance fund than 81% of associations in Karlstad
Association facts
- Municipality
- Karlstad
- Built
- 1957
- Apartments
- 20
- Total area
- 1 390 m²
Identified risks
- Very weak maintenance reserve in relation to the ageCritical
- Pipe replacement may be imminent.Critical
- High refinancing risk when almost the entire loan portfolio matures in 2026High
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- Debt per square metre5,609 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 metre891 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 Bostadsrättsföreningen Malmtorget i Karlstad a financially healthy housing cooperative?
- HSB Bostadsrättsföreningen Malmtorget i Karlstad receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2025 annual report.
- How high is the debt in HSB Bostadsrättsföreningen Malmtorget i Karlstad?
- The debt is 5,609 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 61% of associations in Karlstad.
- How high is the fee in HSB Bostadsrättsföreningen Malmtorget i Karlstad?
- The annual fee is 891 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 Bostadsrättsföreningen Malmtorget i Karlstad has a health score of 7 out of 10.