Hemlo

Hemlo's BRF analysis

HSB Brf Mariehöjd 7 i Umeå

Org. no. 769640-2739 · Umeå

Acceptable, with remarksBased on the 2024 annual report · Analysed 24 Jun 2026

Summary

HSB Brf Mariehöjd 7 i Umeå receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 12,865 kr per square metre and the annual fee is 977 kr per square metre per year. Higher equity ratio than 94% of associations in Umeå. The analysis highlights, among other things: Mycket hög skuldsättning per kvm, Mycket hög räntekänslighet vid omförhandling, Avgiften har höjts och ligger på en förhöjd nivå.

Compared with neighbouring associations

  • Higher debt per m² than 78% of associations in Umeå
  • Higher fee per m² than 63% of associations in Umeå
  • Smaller maintenance fund than 90% of associations in Umeå
  • Higher equity ratio than 94% of associations in Umeå

Association facts

Municipality
Umeå
Built
2023
Apartments
47
Total area
2 497 m²

Identified risks

  • Very high debt per square metre (kvm)Critical
  • Very high interest rate sensitivity when refinancingCritical
  • The fee has been increased and is at an elevated levelHigh

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

Full analysis

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  • Debt per square metre12,865 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 metre977 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
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Frequently asked questions

Is HSB Brf Mariehöjd 7 i Umeå a financially healthy housing cooperative?
HSB Brf Mariehöjd 7 i Umeå receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2024 annual report.
How high is the debt in HSB Brf Mariehöjd 7 i Umeå?
The debt is 12,865 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 78% of associations in Umeå.
How high is the fee in HSB Brf Mariehöjd 7 i Umeå?
The annual fee is 977 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
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 Mariehöjd 7 i Umeå has a health score of 5 out of 10.