Hemlo's BRF analysis

HSB Brf Karl i Jönköping

Org. no. 726000-3681 · Jönköping

Strong associationBased on the 2025 annual report · Analysed 20 Jul 2026

Top 21% in Jönköping

Summary

HSB Brf Karl i Jönköping receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 3,103 kr per square metre and the annual fee is 784 kr per square metre per year. Larger maintenance fund than 96% of associations in Jönköping. The annual fee has increased 41% over 3 years. The analysis highlights, among other things: Kombinerad avgifts- och refinansieringsrisk, Tydlig avgiftspress redan innan större projekt, Planerat stambyte i äldre fastighet.

Compared with neighbouring associations

  • Lower debt per m² than 67% of associations in Jönköping
  • Higher fee per m² than 70% of associations in Jönköping
  • Larger maintenance fund than 96% of associations in Jönköping
  • Lower equity ratio than 60% of associations in Jönköping

Trend over time

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

Fee/m²784 kr/m²
+41% over 3 yr20222025
Debt/m²3 103 kr/m²
-3% over 3 yr20222025
Equity ratio39 %
+2 pp over 3 yr20222025

Association facts

Municipality
Jönköping
Built
1963
Apartments
156
Total area
9 299 m²

Identified risks

  • Combined fee and refinancing riskCritical
  • Clear fee pressure already before major projectsHigh
  • Planned pipe replacement in an older propertyHigh

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

Full analysis

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  • Debt per square metre3,103 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 metre784 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 Karl i Jönköping a financially healthy housing cooperative?
HSB Brf Karl i Jönköping receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in HSB Brf Karl i Jönköping?
The debt is 3,103 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 67% of associations in Jönköping.
How high is the fee in HSB Brf Karl i Jönköping?
The annual fee is 784 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 41% over 3 years.
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 Karl i Jönköping has a health score of 8 out of 10.