Hemlo's BRF analysis

HSBs Brf Bagaren I Söderhamn

Org. no. 786000-0327 · Söderhamn

Acceptable, with remarksBased on the 2025 annual report · Analysed 10 Aug 2026

Summary

HSBs Brf Bagaren I Söderhamn receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 4,943 kr per square metre and the annual fee is 911 kr per square metre per year. The annual fee has been broadly unchanged over the past 1 years. The analysis highlights, among other things: Stor risk för kommande stambyte i 1950-talshus, Låg underhållsfond i relation till framtida behov, Refinansieringsrisk när stora lån förfaller nära i tid.

Trend over time

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

Fee/m²911 kr/m²
-1% over 1 yr20242025
Debt/m²4 943 kr/m²
-3% over 1 yr20242025
Equity ratio30 %
0 pp over 1 yr20242025

Association facts

Municipality
Söderhamn
Built
1959
Apartments
101
Total area
6 275 m²

Identified risks

  • High risk of a forthcoming pipe replacement in 1950s housingCritical
  • Low maintenance fund in relation to future needsHigh
  • Refinancing risk when large loans fall due close together in timeHigh

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

Full analysis

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  • Debt per square metre4,943 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 metre911 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 HSBs Brf Bagaren I Söderhamn a financially healthy housing cooperative?
HSBs Brf Bagaren I Söderhamn receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in HSBs Brf Bagaren I Söderhamn?
The debt is 4,943 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 HSBs Brf Bagaren I Söderhamn?
The annual fee is 911 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has been broadly unchanged over the past 1 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. HSBs Brf Bagaren I Söderhamn has a health score of 6 out of 10.