Hemlo's BRF analysis

HSB Brf Stockrosen i Kalmar

Org. no. 732400-0616 · Kalmar

Acceptable, with remarksBased on the 2025 annual report · Analysed 1 Jul 2026

Summary

HSB Brf Stockrosen i Kalmar receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 6,877 kr per square metre and the annual fee is 1,457 kr per square metre per year. Higher fee per m² than 100% of associations in Kalmar. The annual fee has increased 19% over 2 years. The analysis highlights, among other things: Nästan hela lånestocken förfaller samtidigt, Låg underhållsfond inför planerade åtgärder, Räntekänsligheten är tydlig och kan slå mot avgiften.

Compared with neighbouring associations

  • Higher fee per m² than 100% of associations in Kalmar
  • Smaller maintenance fund than 66% of associations in Kalmar
  • Lower equity ratio than 87% of associations in Kalmar

Trend over time

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

Fee/m²1 457 kr/m²
+19% over 2 yr2023–2025
Debt/m²6 877 kr/m²
-4% over 2 yr2023–2025
Equity ratio10 %
+3 pp over 2 yr2023–2025

Association facts

Municipality
Kalmar
Built
1943
Apartments
18
Total area
766 m²

Identified risks

  • Almost the entire loan portfolio falls due at the same timeCritical
  • Low maintenance fund ahead of planned measuresHigh
  • Interest rate sensitivity is clear and can affect the fee.High

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

Full analysis

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  • Debt per square metre6,877 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 metre1,457 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 Stockrosen i Kalmar a financially healthy housing cooperative?
HSB Brf Stockrosen i Kalmar 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 Stockrosen i Kalmar?
The debt is 6,877 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 Stockrosen i Kalmar?
The annual fee is 1,457 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 19% over 2 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 Stockrosen i Kalmar has a health score of 6 out of 10.