Hemlo's BRF analysis
HSB brf Guldsmeden i Kumla
Org. no. 716411-6738 · Kumla
Top 18% in Kumla
Summary
HSB brf Guldsmeden i Kumla receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 5,346 kr per square metre and the annual fee is 704 kr per square metre per year. Higher debt per m² than 80% of associations in Kumla. The analysis highlights, among other things: Känslig för ränteuppgång trots måttlig skuldsättning, Osäker stambytesstatus i en 1987-byggnad, Låg underhållsreserv i förhållande till framtida behov.
Compared with neighbouring associations
- Higher debt per m² than 80% of associations in Kumla
- Lower fee per m² than 80% of associations in Kumla
- Larger maintenance fund than 80% of associations in Kumla
- Higher equity ratio than 60% of associations in Kumla
Association facts
- Municipality
- Kumla
- Built
- 1987
- Apartments
- 30
- Total area
- 2 497 m²
Identified risks
- Sensitive to interest rate increases despite moderate indebtednessHigh
- Uncertain pipe replacement status in a 1987 buildingHigh
- Low maintenance reserve in relation to future needsHigh
Details, assessments and suggested actions are part of the full analysis.
Full analysis
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- Debt per square metre5,346 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 metre704 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 Guldsmeden i Kumla a financially healthy housing cooperative?
- HSB brf Guldsmeden i Kumla receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2024 annual report.
- How high is the debt in HSB brf Guldsmeden i Kumla?
- The debt is 5,346 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 80% of associations in Kumla.
- How high is the fee in HSB brf Guldsmeden i Kumla?
- The annual fee is 704 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
- What does Hemlo grade B mean?
- Hemlo grade B means “Strong 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 Guldsmeden i Kumla has a health score of 8 out of 10.