Hemlo's BRF analysis
HSBs brf Förgyllaren i Härnösand
Org. no. 788000-0950 · Härnösand
Summary
HSBs brf Förgyllaren i Härnösand receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 3,782 kr per square metre and the annual fee is 974 kr per square metre per year. The analysis highlights, among other things: Stor refinansieringsrisk när lånen förfaller, Mycket låg soliditet ger liten ekonomisk buffert, Avgiftsintäkterna räcker inte ensamma för driften.
Association facts
- Municipality
- Härnösand
- Built
- 1956
- Apartments
- 21
- Total area
- 1 554 m²
Identified risks
- High refinancing risk when loans matureCritical
- Very low equity ratio provides a small financial bufferHigh
- Membership fees are not even sufficient on their own to cover running costs.High
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- Debt per square metre3,782 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 metre974 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 Förgyllaren i Härnösand a financially healthy housing cooperative?
- HSBs brf Förgyllaren i Härnösand 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 Förgyllaren i Härnösand?
- The debt is 3,782 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 Förgyllaren i Härnösand?
- The annual fee is 974 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 Förgyllaren i Härnösand has a health score of 7 out of 10.