Hemlo's BRF analysis
RBF Visbyhus nr 3
Org. no. 734000-2547 · Gotland
Top 12% in Gotland
Summary
RBF Visbyhus nr 3 receives Hemlo grade B (9 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 3,020 kr per square metre and the annual fee is 942 kr per square metre per year. Lower equity ratio than 93% of associations in Gotland. The annual fee has increased 13% over 1 years. The analysis highlights, among other things: Refinansieringsrisk med stora lån som förfaller samtidigt, Svag finansiell buffert trots relativt låg skuld per kvm, Låg underhållsfond i äldre fastighet.
Compared with neighbouring associations
- Lower debt per m² than 60% of associations in Gotland
- Higher fee per m² than 83% of associations in Gotland
- Larger maintenance fund than 63% of associations in Gotland
- Lower equity ratio than 93% of associations in Gotland
Trend over time
Key figures from the co-op's recent annual reports.
Association facts
- Municipality
- Gotland
- Built
- 1945
- Apartments
- 42
- Total area
- 2 364 m²
Identified risks
- Refinancing risk with large loans maturing at the same timeCritical
- Weak financial buffer despite relatively low debt per sq m (kvm)High
- Low maintenance fund in an older propertyHigh
Details, assessments and suggested actions are part of the full analysis.
Full analysis
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- Debt per square metre3,020 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 metre942 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 Visbyhus nr 3 a financially healthy housing cooperative?
- RBF Visbyhus nr 3 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 Visbyhus nr 3?
- The debt is 3,020 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 Gotland.
- How high is the fee in RBF Visbyhus nr 3?
- The annual fee is 942 kr per square metre per year. Fee per square metre makes associations of different sizes comparable. The annual fee has increased 13% 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 Visbyhus nr 3 has a health score of 9 out of 10.