Hemlo's BRF analysis

RBF Stenbiten

Org. no. 716408-5453 · Strömstad

Strong associationBased on the 2025 annual report · Analysed 8 Sept 2026

Summary

RBF Stenbiten receives Hemlo grade B (9 out of 10) in Hemlo's independent analysis of the 2025 annual report. The debt is 2,304 kr per square metre and the annual fee is 829 kr per square metre per year. The annual fee has increased 10% over 2 years. The analysis highlights, among other things: All lån förfaller samtidigt 2027, Mycket svag soliditet ger liten ekonomisk buffert, Underhållsfonden är i praktiken otillräcklig.

Trend over time

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

Fee/m²829 kr/m²
+10% over 2 yr2023–2025
Debt/m²2 304 kr/m²
-6% over 2 yr2023–2025
Equity ratio3 %
+5 pp over 2 yr2023–2025

Association facts

Municipality
Strömstad
Built
1945
Apartments
15
Total area
942 m²

Identified risks

  • All loans mature simultaneously in 2027Critical
  • Very weak equity ratio provides a small financial bufferHigh
  • The maintenance fund is, in practice, insufficient.High

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

Full analysis

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  • Debt per square metre2,304 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 metre829 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 Stenbiten a financially healthy housing cooperative?
RBF Stenbiten receives Hemlo grade B (9 out of 10) in Hemlo's independent analysis of the 2025 annual report.
How high is the debt in RBF Stenbiten?
The debt is 2,304 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 Stenbiten?
The annual fee is 829 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 10% over 2 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 Stenbiten has a health score of 9 out of 10.