HSB Stockholm

What HSB Stockholm does

HSB Stockholm is a member-owned cooperative housing federation, founded in 1923 under the name Hyresgästernas Sparkasse- och Byggnadsförening, that serves approximately 677,000 individual members across Sweden through a federation of 23 regional HSB associations. The organization operates the country's largest home-savings scheme (HSB Bospar) in partnership with Danske Bank, with 124,300 active savers, and manages a portfolio of roughly 347,000 cooperative apartments (bostadsrätter), 27,000 rental apartments (hyresrätter), and 4,160 housing cooperatives (bostadsrättsföreningar). HSB also develops and sells cooperative apartments to its members and runs specialized programs including HSB Dela (shared ownership for ages 18-29), HSB Tryggt köp (transaction guarantees), and HSB Living Lab (a Chalmers-based sustainable-housing research facility with 150+ projects since 2016).

The core technology layer consists of the Mitt HSB digital portal for member services and queue management, the proprietary Bospar savings system integrated with Danske Bank, and the HSB Living Lab research platform. Certifications include GDPR compliance and ISO 9001 at the regional association level, and the organization has over 100 buildings certified under the Miljöbyggnad environmental building standard. HSB also operates several wholly-owned subsidiaries — HSB Riksförbund (national coordination), HSB Affärsstöd (business support), HSB ProjektPartner (development), HSB Finansstöd (financial support), and HSB Bostad (housing development and management).

Revenue is generated through four streams: recurring membership fees from 677,000 members, managed services revenue from property management contracts with 4,160 cooperatives, transaction-based revenue from cooperative apartment development and sales, and subscription-style recurring revenue from the Bosparande savings program. Pricing is quote-based per unit and varies by location, property type, and market conditions. Distribution combines direct regional offices, the Mitt HSB self-serve portal, the hsb.se storefront, and the 4,160 housing cooperative networks as resellers. As a cooperative mutual, HSB has no external shareholders, no venture capital or private equity involvement, and no public listing; profits are reinvested for member benefit rather than distributed.

Name

HSB Stockholm

Legal name

HSB (Hyresgästernas Sparkasse- och Byggnadsförening)

Website

https://hsb.se

Company type

Private

Founded year

1923

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

HSB Stockholm is a 100-year-old Swedish member-owned housing cooperative federation serving 677,000 members through 23 regional associations, managing 347,000 cooperative apartments, 27,000 rental units, and 4,160 housing cooperatives, with a national home-savings scheme partnered with Danske Bank.

Ownership category

akta.pro rank

Product category

Cooperative Housing Services

NAICS

Lessors of Residential Buildings and Dwellings (53111), Lessors of Residential Buildings and Dwellings (531110)

SIC

Services-To Dwellings & Other Buildings (7340), Services-Membership Organizations (8600), Operators Of Nonresidential Buildings (6512)

akta.pro primary industry

Homeowners Association (HOA) Management (BPAJAHAB)

akta.pro secondary industry

Townhome & PUD Association Management (BPAJAHAE)

Keywords

• Cooperative housing federation
• Housing savings program
• Property management services
• Cooperative apartment sales
• Rental housing administration

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Supply Chain, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Membership Fees: Annual membership fees from 677,000 individual members contribute to the cooperative's revenue base and fund organizational operations
2. Property Management Services: HSB manages housing cooperatives (4,160 brf) and rental properties, providing administrative, technical, and financial management services
3. Housing Development and Sales: Development and sale of cooperative apartments (bostadsrätter) to members, generating transaction-based revenue
4. Bosparande (Housing Savings) Program: Housing savings program where members save toward future home purchases, with 124,300 active savers

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

HSB Stockholm is a member-owned cooperative housing federation that develops, sells, and manages cooperative and rental apartments across Sweden. It operates a housing savings (bosparande) program in partnership with Danske Bank, provides professional property management and economic administration services to housing cooperatives, and runs shared-ownership and purchase-guarantee programs for members.

Product overview

HSB Stockholm offers a platform of housing-related financial products and property management services. The core financial product is HSB Bospar, a home savings program available in multiple account types (Bosparkonto for flexible savings, Fasträntekonto for fixed-term savings, Depå for securities, and ISK for tax-efficient investing). Supporting services include property management (Fastighetsförvaltning, HSB Förvaltare), technical operations (HSB Fastighetsdrift, Fastighetsskötsel), and energy services (HSB Energi). The organization also operates HSB Living Lab for housing innovation and offers shared ownership through HSB Dela and purchase guarantees through HSB Tryggt köp.

Differentiator

Problem solved

Functional benefit

Brands

• HSB Bospar: Sweden's largest home-saving scheme offered in partnership with Danske Bank, providing priority access to HSB's newly built cooperative apartments and rental housing nationwide.
• HSB Dela
• HSB Living Lab
• HSB Tryggt köp

Products and services

• HSB Bospar (Home Savings Program) Home savings program offered to HSB members in partnership with Danske Bank, providing priority access to newly built cooperative apartments and rental housing. Includes multiple account types such as Bosparkonto (flexible), Fasträntekonto (fixed-term), Depå (custody), and ISK (investment savings).
• Cooperative Apartment Sales (Bostadsrätter) Development and sale of cooperative apartments (bostadsrätter) to individual members, generating transaction-based revenue across a portfolio of approximately 347,000 units.
• Rental Apartments (Hyresrätter) Approximately 27,000 rental apartments (hyresrätter) made available to housing seekers via HSB's housing queue system.
• Fastighetsförvaltning (Property Management) Professional property management services for residential buildings and housing cooperatives, covering administration, technical, and financial management.
• HSB Förvaltare Property management services offered at different service levels to housing cooperatives (bostadsrättsföreningar).
• HSB Ekonomi Economic management services for housing cooperatives, including financial administration and accounting.
• Fastighetsskötsel Property maintenance services for residential buildings, covering day-to-day upkeep.
• HSB Energi Energy services for buildings, including efficiency improvements and sustainability solutions for housing cooperatives and residential properties.
• HSB Living Lab Research and innovation platform for testing new housing and building technologies in real-world residential environments, supporting sustainable housing solutions.
• HSB Dela (Shared Ownership) Shared ownership initiative designed for young adults aged 18-29, enabling first-time buyers to purchase a home with only half the required cash deposit.
• HSB Tryggt köp (Secure Purchase) Secure purchase program offering extra protection and guarantees for cooperative apartment buyers and newly formed housing cooperatives.
• HSB Bosparkonto Flexible savings account within the HSB Bospar offering, allowing members to deposit and withdraw funds for housing purposes as needed.

Quantifiable outcome

• 100+ Miljöbyggnad certified buildings demonstrating sustainability leadership

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core and flagship.

• We EffectcoreStrategic or Co-development PartnerWe Effect is a Swedish development cooperation organization. HSB collaborates with We Effect on international development projects related to housing and sustainable urban development, particularly in developing countries where HSB shares its cooperative housing expertise.
• Danske BankcoreGTM or Marketing PartnerDanske Bank partners with HSB for the bosparande (housing savings) program, providing financial services to the 124,300 active savers. This partnership enables HSB members to save specifically for future housing purchases with competitive terms.
• 23 Regional HSB AssociationsflagshipStrategic or Co-development PartnerHSB operates through a federation model with 23 autonomous regional HSB associations across Sweden. These regional bodies manage local housing cooperatives, member services, and housing development in their respective geographic areas.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Stena Fastigheter: Swedish property company with a large residential rental portfolio, particularly in Stockholm and Gothenburg; comparable in residential scale and management services but privately held with broader portfolio.
• Heimstaden: Major Swedish residential real estate company owning and developing rental and cooperative apartments; comparable in residential property focus but operates as investor-owned with international expansion.
• Wallenstam: Swedish real estate company focused on residential and commercial properties, primarily in Stockholm and Gothenburg; comparable scale in residential holdings but broader commercial portfolio and investor-owned structure.
• Bonava: Swedish residential developer producing apartments and homes across the Nordics; comparable in housing development and sales but operates commercially across multiple countries rather than the cooperative model.
• Rikshem: Swedish residential real estate company managing rental and senior housing; comparable in residential property management but focuses on institutional-grade rental rather than cooperative ownership.

Direct peers

• SBC Sveriges Bostadsrättscentrum: Swedish HOA/cooperative management company offering administrative and financial services to bostadsrättsföreningar, directly overlapping with HSB's property management segment for housing cooperatives.
• Riksbyggen: Sweden's other major cooperative housing federation, directly competing with HSB in managing housing cooperatives (bostadsrättsföreningar), providing member services, and developing cooperative apartments across Sweden.

Emerging players

• Obos: Norwegian cooperative housing organization expanding into Sweden; comparable cooperative membership model and housing development approach but smaller Swedish footprint and primarily Norwegian heritage.

Regional players

• HSB Malmö: Regional HSB association serving the Malmö/Skåne region under the HSB federation; comparable services and member model but with a defined southern Swedish geographic scope.
• HSB Göteborg: Regional HSB association serving the Gothenburg area as part of the broader HSB federation; comparable operating model for cooperative housing management but limited to western Sweden.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/HSBiSverige
• Facebookfacebook.com/HSBiSverige
• LinkedInse.linkedin.com/company/hsbisverige
• Instagraminstagram.com/hsbisverige
• Xx.com/hsbisverige

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HSB Stockholm