Hemlo's BRF analysis

RBF Gullspångshus 1

Org. no. 716449-4218 · Gullspång

Strong associationBased on the 2025 annual report · Analysed 18 Jun 2026

Summary

RBF Gullspångshus 1 receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 4,837 kr per square metre and the annual fee is 646 kr per square metre per year. The annual fee has increased 5% over 1 years. The analysis highlights, among other things: Svag soliditet ger litet skydd vid kostnadschocker, Låga underhållsreserver kan tvinga fram avgiftshöjning, Stor del av lånen förfaller inom 1–3 år.

Trend over time

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

Fee/m²646 kr/m²
+5% over 1 yr20242025
Debt/m²4 837 kr/m²
+119% over 1 yr20242025
Equity ratio17 %
-11 pp over 1 yr20242025

Association facts

Municipality
Gullspång
Built
1991
Apartments
17
Total area
1 369 m²

Identified risks

  • Weak equity ratio provides little protection against cost shocksHigh
  • Low maintenance reserves can force a fee increaseHigh
  • A large portion of the loans matures within 1–3 yearsHigh

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

Full analysis

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  • Debt per square metre4,837 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 metre646 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 Gullspångshus 1 a financially healthy housing cooperative?
RBF Gullspångshus 1 receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in RBF Gullspångshus 1?
The debt is 4,837 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 RBF Gullspångshus 1?
The annual fee is 646 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 5% over 1 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. RBF Gullspångshus 1 has a health score of 8 out of 10.