Hemlo's BRF analysis

RB BRF Kalmarhus nr 15

Org. no. 732400-1887 · Kalmar

Strong associationBased on the 2025 annual report · Analysed 22 Jun 2026

Top 8% in Kalmar

Summary

RB BRF Kalmarhus nr 15 receives Hemlo grade B (9 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 2,427 kr per square metre and the annual fee is 714 kr per square metre per year. Lower equity ratio than 90% of associations in Kalmar. The annual fee has increased 8% over 5 years. The analysis highlights, among other things: Mycket låg soliditet ger liten buffert mot framtida kostnader, Stor lånetopp förfaller inom kort och kräver refinansiering, Underhållsfonden är låg i förhållande till framtida behov.

Compared with neighbouring associations

  • Lower debt per m² than 78% of associations in Kalmar
  • Lower fee per m² than 65% of associations in Kalmar
  • Larger maintenance fund than 88% of associations in Kalmar
  • Lower equity ratio than 90% of associations in Kalmar

Trend over time

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

Fee/m²714 kr/m²
+8% over 5 yr20202025
Debt/m²2 428 kr/m²
-11% over 5 yr20202025
Equity ratio11 %
-1 pp over 5 yr20202025

Association facts

Municipality
Kalmar
Built
1963
Apartments
162
Total area
11 019 m²

Identified risks

  • Very low equity ratio provides little buffer against future costsCritical
  • Large loan balloon repayment is due soon and requires refinancingHigh
  • The maintenance fund is low in relation to future needs.High

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

Full analysis

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  • Debt per square metre2,427 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 metre714 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 RB BRF Kalmarhus nr 15 a financially healthy housing cooperative?
RB BRF Kalmarhus nr 15 receives Hemlo grade B (9 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in RB BRF Kalmarhus nr 15?
The debt is 2,427 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 78% of associations in Kalmar.
How high is the fee in RB BRF Kalmarhus nr 15?
The annual fee is 714 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 8% over 5 years.
What does Hemlo grade B mean?
Hemlo grade B means “Strong 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. RB BRF Kalmarhus nr 15 has a health score of 9 out of 10.