Hemlo's BRF analysis

HSB Brf Siken i Kalmar

Org. no. 732400-0780 · Kalmar

Acceptable, with remarksBased on the 2025 annual report · Analysed 3 Jul 2026

Summary

HSB Brf Siken i Kalmar receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 5,274 kr per square metre and the annual fee is 1,080 kr per square metre per year. Higher fee per m² than 96% of associations in Kalmar. The annual fee has increased 21% over 3 years. The analysis highlights, among other things: Stambyte kan vara omedelbart förestående, Skuldsättningen är måttlig men känslig för ränteuppgång, Stor del av lånen förfaller samtidigt 2026.

Compared with neighbouring associations

  • Higher fee per m² than 96% of associations in Kalmar
  • Larger maintenance fund than 72% of associations in Kalmar
  • Lower equity ratio than 78% of associations in Kalmar

Trend over time

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

Fee/m²1 080 kr/m²
+21% over 3 yr20222025
Debt/m²5 271 kr/m²
-3% over 3 yr20222025
Equity ratio23 %
-2 pp over 3 yr20222025

Association facts

Municipality
Kalmar
Built
1945
Apartments
36
Total area
1 882 m²

Identified risks

  • Repiping work may be imminent.Critical
  • The level of debt is moderate but sensitive to an increase in interest ratesHigh
  • A large part of the loans falls due at the same time in 2026.High

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

Full analysis

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  • Debt per square metre5,274 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 metre1,080 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 Siken i Kalmar a financially healthy housing cooperative?
HSB Brf Siken i Kalmar receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in HSB Brf Siken i Kalmar?
The debt is 5,274 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 Siken i Kalmar?
The annual fee is 1,080 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 21% over 3 years.
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 Siken i Kalmar has a health score of 5 out of 10.