Hemlo's BRF analysis

HSB Brf Ganbo i Malmö

Org. no. 746000-5650 · Malmö

Stable associationBased on the 2025 annual report · Analysed 25 Jun 2026

Top 26% in Malmö

Summary

HSB Brf Ganbo i Malmö receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 1,715 kr per square metre and the annual fee is 890 kr per square metre per year. Larger maintenance fund than 90% of associations in Malmö. The annual fee has increased 9% over 1 years. The analysis highlights, among other things: Tomträtt ger strukturell kostnadsrisk, Underhållsfonden kan vara för liten i förhållande till kommande projekt, Stor del av lånen ska omförhandlas inom kort.

Compared with neighbouring associations

  • Lower debt per m² than 86% of associations in Malmö
  • Larger maintenance fund than 90% of associations in Malmö

Trend over time

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

Fee/m²890 kr/m²
+9% over 1 yr20242025
Debt/m²1 714 kr/m²
-4% over 1 yr20242025
Equity ratio58 %
+2 pp over 1 yr20242025

Association facts

Municipality
Malmö
Built
1955
Apartments
240
Total area
14 512 m²

Identified risks

  • Ground lease creates structural cost riskHigh
  • The maintenance fund may be too small in relation to upcoming projects.High
  • A large portion of the loans will be renegotiated shortlyHigh

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

Full analysis

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  • Debt per square metre1,715 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 metre890 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 Ganbo i Malmö a financially healthy housing cooperative?
HSB Brf Ganbo i Malmö 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 Ganbo i Malmö?
The debt is 1,715 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 86% of associations in Malmö.
How high is the fee in HSB Brf Ganbo i Malmö?
The annual fee is 890 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 9% 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 Ganbo i Malmö has a health score of 7 out of 10.