Hemlo's BRF analysis

HSB Brf Spanjoren i Stockholm

Org. no. 769620-9688 · Stockholm

Acceptable, with remarksBased on the 2025 annual report · Analysed 8 Sept 2026

Top 50% in Stockholm

Summary

HSB Brf Spanjoren i Stockholm receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 1,816 kr per square metre and the annual fee is 923 kr per square metre per year. Lower debt per m² than 86% of associations in Stockholm. The annual fee has increased 8% over 1 years. The analysis highlights, among other things: Troligt kommande stambyte i 50-talshus, Låg underhållsfond i förhållande till framtida behov, Koncentrationsrisk vid låneförfall 2026.

Compared with neighbouring associations

  • Lower debt per m² than 86% of associations in Stockholm
  • Higher fee per m² than 81% of associations in Stockholm
  • Larger maintenance fund than 65% of associations in Stockholm
  • Higher equity ratio than 86% of associations in Stockholm

Trend over time

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

Fee/m²923 kr/m²
+8% over 1 yr2024–2025
Debt/m²1 816 kr/m²
0% over 1 yr2024–2025
Equity ratio88 %
0 pp over 1 yr2024–2025

Association facts

Municipality
Stockholm
Built
1952
Apartments
55
Total area
3 304 m²

Identified risks

  • Likely upcoming pipe replacement in 1950s housing blocksCritical
  • Low maintenance fund relative to future needsHigh
  • Concentration risk at loan maturity 2026High

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

Full analysis

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  • Debt per square metre1,816 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 metre923 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 Spanjoren i Stockholm a financially healthy housing cooperative?
HSB Brf Spanjoren i Stockholm receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in HSB Brf Spanjoren i Stockholm?
The debt is 1,816 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. Lower debt per m² than 86% of associations in Stockholm.
How high is the fee in HSB Brf Spanjoren i Stockholm?
The annual fee is 923 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 8% over 1 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 Spanjoren i Stockholm has a health score of 6 out of 10.