Hemlo's BRF analysis

RBF Gula Höja

Org. no. 746000-9934 · Malmö

Stable associationBased on the 2025 annual report · Analysed 9 Aug 2026

Top 33% in Malmö

Summary

RBF Gula Höja receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 1,089 kr per square metre and the annual fee is 696 kr per square metre per year. Larger maintenance fund than 100% of associations in Malmö. The annual fee has increased 61% over 8 years. The analysis highlights, among other things: Hög sannolikhet för kostsamt stambyte, Tomträtt med kommande omförhandling 2030, Svagare intäktsstruktur med beroende av andra intäkter än avgifter.

Compared with neighbouring associations

  • Lower debt per m² than 89% of associations in Malmö
  • Lower fee per m² than 90% of associations in Malmö
  • Larger maintenance fund than 100% of associations in Malmö

Trend over time

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

Fee/m²696 kr/m²
+61% over 8 yr20172025
Debt/m²1 089 kr/m²
-25% over 8 yr20172025
Equity ratio42 %
+34 pp over 8 yr20172025

Association facts

Municipality
Malmö
Built
1969
Apartments
648
Total area
45 999 m²

Identified risks

  • High likelihood of an expensive pipe replacement (stambyte)Critical
  • Leasehold land with upcoming renegotiation in 2030High
  • Weaker income structure with reliance on other income sources than feesHigh

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

Full analysis

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  • Debt per square metre1,089 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 metre696 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 RBF Gula Höja a financially healthy housing cooperative?
RBF Gula Höja receives Hemlo grade C (7 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in RBF Gula Höja?
The debt is 1,089 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 89% of associations in Malmö.
How high is the fee in RBF Gula Höja?
The annual fee is 696 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 61% over 8 years.
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. RBF Gula Höja has a health score of 7 out of 10.