Hemlo's BRF analysis

HSBs Brf England I Gävle

Org. no. 785000-1111 · Gävle

Stable associationBased on the 2024 annual report · Analysed 22 Jun 2026

Summary

HSBs Brf England I Gävle receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 2,889 kr per square metre and the annual fee is 856 kr per square metre per year. Higher fee per m² than 68% of associations in Gävle. The analysis highlights, among other things: Stambyte troligen nära utan verifierat genomförande, Lånen förfaller inom kort och måste refinansieras, Avgiften ser stabil ut nu men pressas sannolikt av kommande investeringar.

Compared with neighbouring associations

  • Lower debt per m² than 62% of associations in Gävle
  • Higher fee per m² than 68% of associations in Gävle
  • Higher equity ratio than 63% of associations in Gävle

Association facts

Municipality
Gävle
Built
1944
Apartments
24
Total area
1 368 m²

Identified risks

  • Riser replacement likely imminent without verified completionCritical
  • The loans are due soon and must be refinanced.High
  • The fee appears stable for now, but is likely to be pressured by upcoming investments.High

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

Full analysis

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  • Debt per square metre2,889 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 metre856 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 England I Gävle a financially healthy housing cooperative?
HSBs Brf England I Gävle receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2024 annual report.
How high is the debt in HSBs Brf England I Gävle?
The debt is 2,889 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 62% of associations in Gävle.
How high is the fee in HSBs Brf England I Gävle?
The annual fee is 856 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
What does Hemlo grade C mean?
Hemlo grade C means “Stable 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. HSBs Brf England I Gävle has a health score of 7 out of 10.