Hemlo's BRF analysis

HSB Brf Kristinedal i Stenungsund

Org. no. 716409-5783 · Stenungsund

Strong associationBased on the 2025 annual report · Analysed 23 Jun 2026

Top 23% in Stenungsund

Summary

HSB Brf Kristinedal i Stenungsund receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 2,825 kr per square metre and the annual fee is 845 kr per square metre per year. Lower equity ratio than 100% of associations in Stenungsund. The annual fee has increased 7% over 1 years. The analysis highlights, among other things: Takbyte och relining ligger nära varandra i tid, Låg underhållsreserv trots stora kommande åtgärder, Flera lån ska omförhandlas nära i tid.

Compared with neighbouring associations

  • Lower debt per m² than 83% of associations in Stenungsund
  • Larger maintenance fund than 75% of associations in Stenungsund
  • Lower equity ratio than 100% of associations in Stenungsund

Trend over time

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

Fee/m²845 kr/m²
+7% over 1 yr20242025
Debt/m²2 825 kr/m²
+58% over 1 yr20242025
Equity ratio18 %
-3 pp over 1 yr20242025

Association facts

Municipality
Stenungsund
Built
1979
Apartments
95
Total area
8 698 m²

Identified risks

  • Roof replacement and relining are close in time to each other.High
  • Low maintenance reserve despite major upcoming measuresHigh
  • Several loans will be renegotiated at roughly the same time.High

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

Full analysis

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  • Debt per square metre2,825 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 metre845 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 Kristinedal i Stenungsund a financially healthy housing cooperative?
HSB Brf Kristinedal i Stenungsund 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 Kristinedal i Stenungsund?
The debt is 2,825 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 83% of associations in Stenungsund.
How high is the fee in HSB Brf Kristinedal i Stenungsund?
The annual fee is 845 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 7% over 1 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 Kristinedal i Stenungsund has a health score of 8 out of 10.