Hemlo

Hemlo's BRF analysis

HSB brf Stettin I Gävle

Org. no. 785000-1160 · Gävle

Acceptable, with remarksBased on the 2025 annual report · Analysed 15 Sept 2026

Summary

HSB brf Stettin I Gävle receives Hemlo grade D (5 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 1,153 kr per square metre and the annual fee is 866 kr per square metre per year. Lower debt per m² than 91% of associations in Gävle. The analysis highlights, among other things: Oklart stambyte i mycket gammal fastighet, Stor refinansiering inom kort tid, Underhållsfond kan vara för svag i förhållande till kommande åtgärder.

Compared with neighbouring associations

  • Lower debt per m² than 91% of associations in Gävle
  • Higher fee per m² than 73% of associations in Gävle
  • Smaller maintenance fund than 60% of associations in Gävle
  • Higher equity ratio than 81% of associations in Gävle

Association facts

Municipality
Gävle
Built
1943
Apartments
18
Total area
852 m²

Identified risks

  • Unclear pipe renewal in a very old propertyCritical
  • Large refinancing soonHigh
  • The maintenance fund may be too small in relation to the upcoming measures.High

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

Full analysis

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  • Debt per square metre1,153 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 metre866 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 Stettin I Gävle a financially healthy housing cooperative?
HSB brf Stettin I Gävle 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 Stettin I Gävle?
The debt is 1,153 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 91% of associations in Gävle.
How high is the fee in HSB brf Stettin I Gävle?
The annual fee is 866 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 Stettin I Gävle has a health score of 5 out of 10.