Hemlo's BRF analysis

HSB Brf Valencia i Uddevalla

Org. no. 716444-8990 · Uddevalla

Acceptable, with remarksBased on the 2025 annual report · Analysed 18 Oct 2026

Summary

HSB Brf Valencia i Uddevalla receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 13,950 kr per square metre and the annual fee is 980 kr per square metre per year. Higher debt per m² than 100% of associations in Uddevalla. The annual fee has increased 28% over 3 years. The analysis highlights, among other things: Mycket hög skuldsättning per kvm, Hög räntekänslighet vid omförhandling av lån, Avgiftsnivån är redan i varningsläge.

Compared with neighbouring associations

  • Higher debt per m² than 100% of associations in Uddevalla
  • Higher fee per m² than 75% of associations in Uddevalla

Trend over time

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

Fee/m²980 kr/m²
+28% over 3 yr2022–2025
Debt/m²13 950 kr/m²
-4% over 3 yr2022–2025
Equity ratio65 %
0 pp over 3 yr2022–2025

Association facts

Municipality
Uddevalla
Built
2019
Apartments
43
Total area
3 461 m²

Identified risks

  • Very high debt per sqmCritical
  • High interest rate sensitivity when refinancing loansCritical
  • The fee level is already in warning mode.High

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

Full analysis

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  • Debt per square metre13,950 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 metre980 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 Valencia i Uddevalla a financially healthy housing cooperative?
HSB Brf Valencia i Uddevalla 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 Valencia i Uddevalla?
The debt is 13,950 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. Higher debt per m² than 100% of associations in Uddevalla.
How high is the fee in HSB Brf Valencia i Uddevalla?
The annual fee is 980 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 28% 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 Valencia i Uddevalla has a health score of 6 out of 10.