Hemlo's BRF analysis

HSB brf Natanael i Kumla

Org. no. 775700-0729 · Kumla

Stable associationBased on the 2025 annual report · Analysed 27 Jul 2026

Summary

HSB brf Natanael i Kumla receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 8,628 kr per square metre and the annual fee is 1,012 kr per square metre per year. The annual fee has increased 7% over 1 years. The analysis highlights, among other things: Hög refinansieringsrisk 2026–2027, Svag soliditet ger liten buffert, Mycket hög räntekänslighet.

Trend over time

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

Fee/m²1 012 kr/m²
+7% over 1 yr20242025
Debt/m²8 628 kr/m²
-2% over 1 yr20242025
Equity ratio12 %
+1 pp over 1 yr20242025

Association facts

Municipality
Kumla
Built
1970
Apartments
75
Total area
4 982 m²

Identified risks

  • High refinancing risk 2026–2027Critical
  • Weak equity ratio provides a small bufferHigh
  • Very high interest-rate sensitivityHigh

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

Full analysis

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  • Debt per square metre8,628 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 metre1,012 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 Natanael i Kumla a financially healthy housing cooperative?
HSB brf Natanael i Kumla receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in HSB brf Natanael i Kumla?
The debt is 8,628 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 Natanael i Kumla?
The annual fee is 1,012 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 C mean?
Hemlo grade C means “Stable 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 Natanael i Kumla has a health score of 7 out of 10.