Hemlo's BRF analysis
HSB brf Minerva i Haparanda
Org. no. 797600-0278 · Haparanda
Summary
HSB brf Minerva i Haparanda receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 3,034 kr per square metre and the annual fee is 777 kr per square metre per year. The analysis highlights, among other things: Låg underhållsfond ökar risken för framtida avgiftshöjningar, Stor låneförfallokoncentration inom kort tid, Låg soliditet ger liten buffert vid kostnadsökningar.
Association facts
- Municipality
- Haparanda
- Built
- 1957
- Apartments
- 53
- Total area
- 3 043 m²
Identified risks
- Low maintenance fund increases the risk of future fee increasesHigh
- High loan maturity concentration in the short termHigh
- Low solidity provides a small buffer in the event of cost increases.High
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- Debt per square metre3,034 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 metre777 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 Minerva i Haparanda a financially healthy housing cooperative?
- HSB brf Minerva i Haparanda 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 Minerva i Haparanda?
- The debt is 3,034 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.
- How high is the fee in HSB brf Minerva i Haparanda?
- The annual fee is 777 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 Minerva i Haparanda has a health score of 8 out of 10.