Hemlo's BRF analysis

RBF Kalmarhus nr 5

Org. no. 732400-2133 · Kalmar

Strong associationBased on the 2024 annual report · Analysed 15 Jun 2026

Top 15% in Kalmar

Summary

RBF Kalmarhus nr 5 receives Hemlo grade B (9 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 4,271 kr per square metre and the annual fee is 759 kr per square metre per year. Lower equity ratio than 87% of associations in Kalmar. The annual fee has been broadly unchanged over the past 1 years. The analysis highlights, among other things: Svag soliditet ger liten buffert mot framtida kostnader, Låg underhållsfond i förhållande till kommande behov, Stor andel lån förfaller inom kort.

Compared with neighbouring associations

  • Lower debt per m² than 60% of associations in Kalmar
  • Larger maintenance fund than 61% of associations in Kalmar
  • Lower equity ratio than 87% of associations in Kalmar

Trend over time

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

Fee/m²759 kr/m²
-1% over 1 yr20232024
Debt/m²4 271 kr/m²
-2% over 1 yr20232024
Equity ratio16 %
+2 pp over 1 yr20232024

Association facts

Municipality
Kalmar
Built
1947
Apartments
33
Total area
1 770 m²

Identified risks

  • Low equity (soliditet) provides a small buffer against future costsCritical
  • Low maintenance fund relative to upcoming needsHigh
  • Large share of loans due soonHigh

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

Full analysis

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  • Debt per square metre4,271 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 metre759 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 Kalmarhus nr 5 a financially healthy housing cooperative?
RBF Kalmarhus nr 5 receives Hemlo grade B (9 out of 10) in Hemlo's independent analysis of the 2024 annual report.
How high is the debt in RBF Kalmarhus nr 5?
The debt is 4,271 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 60% of associations in Kalmar.
How high is the fee in RBF Kalmarhus nr 5?
The annual fee is 759 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has been broadly unchanged over the past 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 Kalmarhus nr 5 has a health score of 9 out of 10.