Hemlo's BRF analysis
HSB Brf Räfsan i Skövde
Org. no. 769632-9890 · Skövde
Summary
HSB Brf Räfsan i Skövde receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 9,271 kr per square metre and the annual fee is 742 kr per square metre per year. Higher debt per m² than 100% of associations in Skövde. The annual fee has increased 7% over 1 years. The analysis highlights, among other things: Snabbt stigande årsavgifter, Stor låneförfallotopp inom kort, Måttligt hög skuldsättning kräver räntebevaking.
Compared with neighbouring associations
- Higher debt per m² than 100% of associations in Skövde
- Lower fee per m² than 92% of associations in Skövde
- Smaller maintenance fund than 92% of associations in Skövde
- Higher equity ratio than 75% of associations in Skövde
Trend over time
Key figures from the co-op's recent annual reports.
Association facts
- Municipality
- Skövde
- Built
- 2017
- Apartments
- 24
- Total area
- 2 568 m²
Identified risks
- Rapidly increasing annual service chargesHigh
- Large loan repayment peak in the short termHigh
- Moderately high indebtedness requires interest rate hedgingMedium
Details, assessments and suggested actions are part of the full analysis.
Full analysis
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- Debt per square metre9,271 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 metre742 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 Räfsan i Skövde a financially healthy housing cooperative?
- HSB Brf Räfsan i Skövde 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 Räfsan i Skövde?
- The debt is 9,271 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 100% of associations in Skövde.
- How high is the fee in HSB Brf Räfsan i Skövde?
- The annual fee is 742 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 Räfsan i Skövde has a health score of 7 out of 10.