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Hemlo's BRF analysis

HSB Brf Pandora i Oskarshamn

Org. no. 732800-0455 · Oskarshamn

Acceptable, with remarksBased on the 2023 annual report · Analysed 24 Jul 2026

Summary

HSB Brf Pandora i Oskarshamn receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2023 annual report. The debt is 5,754 kr per square metre and the annual fee is 772 kr per square metre per year. The analysis highlights, among other things: Hög räntekänslighet kan snabbt driva upp avgiften, Låg soliditet ger liten buffert vid oväntade kostnader, Låg underhållsfond riskerar att skjuta kostnader på framtida köpare.

Association facts

Municipality
Oskarshamn
Built
1945
Apartments
36
Total area
1 956 m²

Identified risks

  • High interest rate sensitivity can quickly drive up the feeCritical
  • Low equity ratio provides a small buffer against unexpected costs.High
  • Low maintenance fund risk pushes costs onto future buyersHigh

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

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  • Debt per square metre5,754 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 metre772 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 Pandora i Oskarshamn a financially healthy housing cooperative?
HSB Brf Pandora i Oskarshamn receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2023 annual report.
How high is the debt in HSB Brf Pandora i Oskarshamn?
The debt is 5,754 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 Pandora i Oskarshamn?
The annual fee is 772 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 Pandora i Oskarshamn has a health score of 5 out of 10.