Hemlo's BRF analysis

HSB Brf Klövern i Norsborg

Org. no. 716416-4183 · Botkyrka

Acceptable, with remarksBased on the 2025 annual report · Analysed 1 Jul 2026

Summary

HSB Brf Klövern i Norsborg receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 7,422 kr per square metre and the annual fee is 1,110 kr per square metre per year. Higher fee per m² than 90% of associations in Botkyrka. The annual fee has increased 39% over 6 years. The analysis highlights, among other things: Tomträtt med pågående tvist och osäker framtida avgäld, Kombination av hög skuld, svag soliditet och dyr avgiftsnivå, Underhållsfond som är för liten i förhållande till behovet.

Compared with neighbouring associations

  • Higher debt per m² than 64% of associations in Botkyrka
  • Higher fee per m² than 90% of associations in Botkyrka
  • Larger maintenance fund than 79% of associations in Botkyrka
  • Lower equity ratio than 88% of associations in Botkyrka

Trend over time

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

Fee/m²1 110 kr/m²
+39% over 6 yr20192025
Debt/m²7 423 kr/m²
+114% over 6 yr20192025
Equity ratio13 %
-6 pp over 6 yr20192025

Association facts

Municipality
Botkyrka
Built
1973
Apartments
445
Total area
27 182 m²

Identified risks

  • Leasehold with an ongoing dispute and uncertain future rent (ground rent)Critical
  • Combination of high debt, weak equity ratio and expensive fee levelCritical
  • Maintenance fund that is too small in relation to the needHigh

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

Full analysis

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  • Debt per square metre7,422 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 metre1,110 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 Klövern i Norsborg a financially healthy housing cooperative?
HSB Brf Klövern i Norsborg receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in HSB Brf Klövern i Norsborg?
The debt is 7,422 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 64% of associations in Botkyrka.
How high is the fee in HSB Brf Klövern i Norsborg?
The annual fee is 1,110 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 39% over 6 years.
What does Hemlo grade D mean?
Hemlo grade D means “Acceptable, with remarks”. 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 Klövern i Norsborg has a health score of 6 out of 10.