Hemlo's BRF analysis
HSB Brf Visby Gärde
Org. no. 716421-4236 · Gotland
Summary
HSB Brf Visby Gärde receives Hemlo grade E (4 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 10,957 kr per square metre and the annual fee is 1,107 kr per square metre per year. Higher fee per m² than 95% of associations in Gotland. The annual fee has increased 9% over 1 years. The analysis highlights, among other things: Hög räntekänslighet kan tvinga fram kraftiga avgiftshöjningar, Låg underhållsfond ökar risken för framtida extrakostnader, Flera lån förfaller inom kort och kan ge omförhandlingsrisk.
Compared with neighbouring associations
- Higher debt per m² than 86% of associations in Gotland
- Higher fee per m² than 95% of associations in Gotland
- Larger maintenance fund than 71% of associations in Gotland
- Higher equity ratio than 70% of associations in Gotland
Trend over time
Key figures from the co-op's recent annual reports.
Association facts
- Municipality
- Gotland
- Built
- 2019
- Apartments
- 46
- Total area
- 2 850 m²
Identified risks
- High interest rate sensitivity can force drastic fee increasesCritical
- Low maintenance reserve increases the risk of future extra costsHigh
- Several loans are due shortly and may create renegotiation riskHigh
Details, assessments and suggested actions are part of the full analysis.
Full analysis
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- Debt per square metre10,957 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 metre1,107 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 Visby Gärde a financially healthy housing cooperative?
- HSB Brf Visby Gärde receives Hemlo grade E (4 out of 10) in Hemlo's independent analysis of the 2025 annual report.
- How high is the debt in HSB Brf Visby Gärde?
- The debt is 10,957 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 86% of associations in Gotland.
- How high is the fee in HSB Brf Visby Gärde?
- The annual fee is 1,107 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 9% over 1 years.
- What does Hemlo grade E mean?
- Hemlo grade E means “Weaknesses present”. 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 Visby Gärde has a health score of 4 out of 10.