Hemlo's BRF analysis

Svenska Folkbyggens Brf nr 3 i Karlstad

Org. no. 773200-2626 · Karlstad

Strong associationBased on the 2024 annual report · Analysed 7 Sept 2026

Top 26% in Karlstad

Summary

Svenska Folkbyggens Brf nr 3 i Karlstad receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 3,396 kr per square metre and the annual fee is 704 kr per square metre per year. Lower debt per m² than 68% of associations in Karlstad. The analysis highlights, among other things: Stambyte saknas eller är oklart i 70-talsfastighet, Underhållsplan saknas vilket försvårar långsiktig ekonomi, Föreningen har kort refinansieringshorisont på hela lånestocken.

Compared with neighbouring associations

  • Lower debt per m² than 68% of associations in Karlstad
  • Lower fee per m² than 60% of associations in Karlstad
  • Lower equity ratio than 62% of associations in Karlstad

Association facts

Municipality
Karlstad
Built
1975
Apartments
23
Total area
1 131 m²

Identified risks

  • Fireproofing replacement is missing or unclear in a 1970s propertyCritical
  • A maintenance plan is missing, which makes long-term finances harder to manage.High
  • The association has a short refinancing horizon for the entire loan portfolio.High

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

Full analysis

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  • Debt per square metre3,396 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 metre704 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 Svenska Folkbyggens Brf nr 3 i Karlstad a financially healthy housing cooperative?
Svenska Folkbyggens Brf nr 3 i Karlstad receives Hemlo grade B (8 out of 10) in Hemlo's independent analysis of the 2024 annual report.
How high is the debt in Svenska Folkbyggens Brf nr 3 i Karlstad?
The debt is 3,396 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 68% of associations in Karlstad.
How high is the fee in Svenska Folkbyggens Brf nr 3 i Karlstad?
The annual fee is 704 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. Svenska Folkbyggens Brf nr 3 i Karlstad has a health score of 8 out of 10.