Hemlo's BRF analysis

HSB Brf Fiskverket i Gävle

Org. no. 716458-5841 · Gävle

Stable associationBased on the 2025 annual report · Analysed 4 Aug 2026

Summary

HSB Brf Fiskverket i Gävle receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 7,191 kr per square metre and the annual fee is 830 kr per square metre per year. Higher debt per m² than 81% of associations in Gävle. The annual fee has increased 14% over 1 years. The analysis highlights, among other things: Hela låneportföljen förfaller 2026, Hög räntekänslighet kan driva upp avgifterna, Underhållsfonden är relativt låg i förhållande till behovet.

Compared with neighbouring associations

  • Higher debt per m² than 81% of associations in Gävle
  • Higher fee per m² than 60% of associations in Gävle
  • Larger maintenance fund than 81% of associations in Gävle
  • Higher equity ratio than 70% of associations in Gävle

Trend over time

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

Fee/m²830 kr/m²
+14% over 1 yr20242025
Debt/m²7 191 kr/m²
-1% over 1 yr20242025
Equity ratio46 %
0 pp over 1 yr20242025

Association facts

Municipality
Gävle
Built
2002
Apartments
67
Total area
5 300 m²

Identified risks

  • The entire loan portfolio matures in 2026.High
  • High interest-rate sensitivity can drive up feesHigh
  • The maintenance fund is relatively low in relation to the need.Medium

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

Full analysis

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  • Debt per square metre7,191 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 metre830 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 Brf Fiskverket i Gävle a financially healthy housing cooperative?
HSB Brf Fiskverket i Gävle 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 Brf Fiskverket i Gävle?
The debt is 7,191 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 81% of associations in Gävle.
How high is the fee in HSB Brf Fiskverket i Gävle?
The annual fee is 830 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 14% over 1 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 Brf Fiskverket i Gävle has a health score of 7 out of 10.