Hemlo's BRF analysis

HSB Brf Tersmeden i Karlskrona

Org. no. 735000-1868 · Karlskrona

Strong associationBased on the 2025 annual report · Analysed 20 Aug 2026

Top 41% in Karlskrona

Summary

HSB Brf Tersmeden i Karlskrona receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 2,964 kr per square metre and the annual fee is 696 kr per square metre per year. Lower fee per m² than 79% of associations in Karlskrona. The analysis highlights, among other things: Trolig stamåtgärd utan dokumenterat stambyte, Mycket låg underhållsfond i förhållande till husets ålder, Årsavgiften har redan höjts tydligt.

Compared with neighbouring associations

  • Lower debt per m² than 64% of associations in Karlskrona
  • Lower fee per m² than 79% of associations in Karlskrona
  • Larger maintenance fund than 78% of associations in Karlskrona
  • Higher equity ratio than 64% of associations in Karlskrona

Association facts

Municipality
Karlskrona
Built
1970
Apartments
72
Total area
5 007 m²

Identified risks

  • Likely pipework remedial work without documented pipe replacementCritical
  • Very low maintenance fund in relation to the age of the propertyCritical
  • The annual fee has already been raised significantly.High

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

Full analysis

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  • Debt per square metre2,964 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 metre696 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 Tersmeden i Karlskrona a financially healthy housing cooperative?
HSB Brf Tersmeden i Karlskrona receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in HSB Brf Tersmeden i Karlskrona?
The debt is 2,964 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 64% of associations in Karlskrona.
How high is the fee in HSB Brf Tersmeden i Karlskrona?
The annual fee is 696 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
What does Hemlo grade B mean?
Hemlo grade B means “Strong 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 Tersmeden i Karlskrona has a health score of 8 out of 10.