Hemlo's BRF analysis

RBF Visbyhus nr 5

Org. no. 734000-2570 · Gotland

Strong associationBased on the 2024 annual report · Analysed 17 May 2026

Top 22% in Gotland

Summary

RBF Visbyhus nr 5 receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 3,045 kr per square metre and the annual fee is 899 kr per square metre per year. Lower equity ratio than 84% of associations in Gotland. The analysis highlights, among other things: Stor refinansieringsrisk när majoriteten av lånen förfaller, Oklar stambytesstatus i mycket gammalt hus, Negativ soliditet och svag balansräkning.

Compared with neighbouring associations

  • Higher fee per m² than 72% of associations in Gotland
  • Larger maintenance fund than 78% of associations in Gotland
  • Lower equity ratio than 84% of associations in Gotland

Association facts

Municipality
Gotland
Built
1948
Apartments
52
Total area
2 762 m²

Identified risks

  • High refinancing risk when the majority of the loans matureCritical
  • Unclear pipe replacement status in a very old buildingCritical
  • Negative equity and a weak balance sheetHigh

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

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  • Debt per square metre3,045 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 metre899 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 5 a financially healthy housing cooperative?
RBF Visbyhus nr 5 receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2024 annual report.
How high is the debt in RBF Visbyhus nr 5?
The debt is 3,045 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 Visbyhus nr 5?
The annual fee is 899 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
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 5 has a health score of 8 out of 10.