Hemlo's BRF analysis

RB BRF Pappersmakaren

Org. no. 769631-8018 · Jönköping

Acceptable, with remarksBased on the 2025 annual report · Analysed 7 Aug 2026

Summary

RB BRF Pappersmakaren receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 12,363 kr per square metre and the annual fee is 747 kr per square metre per year. Higher debt per m² than 84% of associations in Jönköping. The analysis highlights, among other things: Mycket hög räntekänslighet, Mycket hög skuldsättning per kvm, Kommande låneförfall kan ge avgiftspress.

Compared with neighbouring associations

  • Higher debt per m² than 84% of associations in Jönköping
  • Higher fee per m² than 61% of associations in Jönköping
  • Larger maintenance fund than 84% of associations in Jönköping
  • Higher equity ratio than 83% of associations in Jönköping

Association facts

Municipality
Jönköping
Built
2016
Apartments
81
Total area
6 292 m²

Identified risks

  • Very high interest rate sensitivityCritical
  • Very high debt per sqmCritical
  • Upcoming loan maturities can put pressure on feesHigh

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

Full analysis

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  • Debt per square metre12,363 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 metre747 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 Pappersmakaren a financially healthy housing cooperative?
RB BRF Pappersmakaren receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in RB BRF Pappersmakaren?
The debt is 12,363 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 84% of associations in Jönköping.
How high is the fee in RB BRF Pappersmakaren?
The annual fee is 747 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
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. RB BRF Pappersmakaren has a health score of 6 out of 10.