Toit & moi

What Toit & moi does

Toit & moi is a Walloon public social housing cooperative (Société de Logement de Service Public, organized as a scrl) founded in 1926 and headquartered in Ghlin (Mons), Belgium. The company manages approximately 5,300 rental housing units across four entities covering the communes of Mons, Frameries, Colfontaine, and Quévy, and is one of 64 publicly regulated SLSPs operating under the Walloon Housing Code (articles 130-174bis) with supervision by the Société Wallonne du Logement (SWL). It serves low- and middle-income households through income-based social housing, market-comparable equilibrium housing, tenant-priority homeownership sales, and ancillary garage rentals, with allocation governed by a priority-point system processed by a monthly Attribution Committee.

The business model is predominantly subscription-recurring rental income, supplemented by one-time property sale revenue and ancillary garage rentals (€42.60/month for tenants, €51.55/month for non-tenants). Social housing rents are calculated via a formula tied to dwelling value and household taxable income, recalculated annually on January 1st; equilibrium housing rents are set at market-comparable levels (e.g., €601/month for new apartments at Avenue de la Faïencerie, Jemappes from June 2024). Income caps for social housing are €27,400 (single) and €34,200 (household), versus €69,800 and €85,100 for equilibrium housing, with €2,700-€3,200 per dependent child. The company operates five proximity antennas alongside the Ghlin headquarters, with dedicated social and technical referents assigned by sub-region, supported by a tenant advisory committee (CCLP) and quarterly Toit&moi Magazine.

The technology stack is conventional and non-proprietary: a tenant portal (Mon Espace Personnel), online maintenance and income declaration forms, and standard administrative processes for allocation and rent calculation. The company is currently executing a major urban renewal project, the €16 million Épinlieu redevelopment in partnership with Thomas & Piron, which will deliver 337 Q-Zen housing units with 116 incorporated into Toit & moi's heritage upon phased completion through 2025-2026. Workforce is reported at 101-250 employees, and the cooperative celebrated its centenary in January 2026. No AI/ML capabilities, external funding, or M&A activity are disclosed.

Name

Toit & moi

Legal name

Toit & Moi scrl

Website

https://toitetmoi.be

Company type

Private

Founded year

1926

Operating status

Operating

Headcount range

101–250 employees

Short description

Toit & moi is a Walloon public social housing cooperative managing approximately 5,300 rental units across Mons, Frameries, Colfontaine, and Quévy in Belgium. Founded in 1926, it serves low- and middle-income households under the Walloon Housing Code.

Ownership category

akta.pro rank

Product category

Public Social Housing

NAICS

Lessors of Residential Buildings and Dwellings (53111), New Multifamily Housing Construction (except For-Sale Builders) (236116)

SIC

Operators Of Apartment Buildings (6513), Services-Social Services (8300)

akta.pro primary industry

Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC)

akta.pro secondary industry

Housing & Neighborhood Services (Local Housing Programs) (BPAIACAJ)

Keywords

• Social housing rental
• Public housing management
• Affordable housing
• Housing allocation services
• Property management

Headquarters

HQ city

Mons

HQ country

Belgium

HQ region

Europe

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Social Housing Rent: Toit & Moi generates revenue primarily through rental income from approximately 5,300 social housing units. Rent is calculated based on a formula that considers the value of the habitation and the taxable income of the household, with annual revision on January 1st comparing income from 3 years prior to current income. Social housing income limits: €27,400 for single persons, €34,200 for households, increased by €2,700 per dependent child.
2. Balance Housing Rent: Revenue from 'loyer d'équilibre' (balance housing) units where rent is calculated based on market value comparable to similar private properties. Income limits are higher: up to €69,800 for single persons (+€3,200 per child) and up to €85,100 for households (+€3,200 per child).
3. Property Sales: Toit & Moi sells certain housing units to existing tenants or candidates. Properties are sold through sealed envelope bidding processes with priority given to current tenants of the SLSP. Recent properties listed for sale include units starting from €65,000 to €150,000.
4. Garage Rental: Additional rental income from garages: €42.60/month for social housing tenants, €51.55/month for non-tenants.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Toit & Moi is a public social housing society that manages and rents approximately 5,300 social housing units to low- and middle-income households across Mons, Frameries, Colfontaine, and Quévy in Wallonia, Belgium. Rents are calculated based on tenant income, with separate social housing and mid-market equilibrium housing tiers. The company also sells certain units to tenants, rents garages, and provides technical maintenance and social support services through a network of proximity antennas.

Product overview

Toit & moi operates as a social housing company (Société de Logement de Service Public - SLSP) offering a portfolio of housing-related services including public housing rental, equilibrium housing (mid-market rental), garage rental, and property sales. The company manages approximately 5,300 public housing units across four entities (Mons, Frameries, Colfontaine, and Quévy) in Wallonia, Belgium. Supporting services include technical maintenance/repair, social support through proximity antennas, and a seasonal tenant magazine (Toit&moi Magazine). The company is currently undertaking a major development project at Épinlieu to construct 337 energy-efficient housing units.

Differentiator

Problem solved

Functional benefit

Products and services

• Logements publics (Public Housing) Rental of public social housing units to eligible low-income households meeting regulated income criteria (€27,400 for singles, €34,200 for households, +€2,700 per dependent child). Rent is calculated by formula based on dwelling value and household taxable income, revised annually on January 1. Approximately 5,300 units are managed across the Mons, Frameries, Colfontaine, and Quévy entities.
• Logements d'équilibre (Equilibrium Housing) Mid-market rental housing with rents calculated based on market value comparable to similar private properties. Targets middle-income households with incomes up to €69,800 for singles or €85,100 for households (+€3,200 per child). Rent starts from €601/month excluding charges for 1-3 bedroom units.
• Location de garages (Garage Rental)

Quantifiable outcome

• 5,300+ housing units managed across 4 entities
• +1 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• Thomas & PironcoreStrategic or Co-development Partner · 8 September 2023Public-private partnership for the Épinlieu quarter redevelopment project. Thomas & Piron, represented by Société Simple 'Thomas & Piron Épinlieu', is developing 337 Q-Zen (Quasi Zero Energy) housing units including 129 single-family houses, 25 'kangaroo' houses (bi-familiar), and 158 apartments across 8 buildings. Toit & Moi will incorporate 116 of these units into its heritage. The €16 million project, funded by the Walloon Region, began in September 2023 with the first phase (North zone) expected to complete end of 2025.
• Régie des Quartiers de Mons-Frameries-ColfontainecoreStrategic or Co-development PartnerNon-profit association active in social housing neighborhoods of Mons, Jemappes, Frameries, and Colfontaine. Mission includes improving living conditions within social housing quarters through integrated insertion policies, community development, and neighborhood services.
• HygeaminorOthersWaste management company providing new waste collection services for the Mons entity since November 2022. Toit & Moi coordinated with Hygea to ensure appropriate container sizes (140L) for residents in certain apartment buildings due to space constraints.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Regional players

• Woonpunt: Major Flemish social housing maatschappij in the Antwerp region, operating under Belgium's Flemish housing code. Comparable in operating model and customer segments but in a different linguistic/regulatory region of Belgium.
• Vivendo: Flemish social housing company providing rental housing to lower- and middle-income households under the Vlaamse Wooncode. Comparable business model and customer base but operating in Flanders rather than Wallonia.

Direct peers

• Toit Pour Tous: Walloon SLSP (Seraing) operating as a Société de Logement de Service Public with income-based rents and proximity-based social support. Same regulatory regime and target customer base.
• Le Foyer de l'Arrondissement de Charleroi: Walloon SLSP in the Charleroi industrial basin operating the same income-based social housing model with multiple proximity antennas and tenant support services. Direct comparable in operations and scale.
• Le Foyer de la Région de Charleroi: One of the 64 SLSPs in Wallonia serving the Charleroi basin, operating income-based social housing, balance housing, and property sales under the same Walloon Housing Code framework as Toit & Moi. Highly comparable in mission, regulatory regime, tenant segments, and revenue model.
• La Maison Liégeoise: Walloon SLSP serving the Liège metropolitan area. Operates under identical Walloon Housing Code provisions, managing thousands of social housing units with the same income-based rent structure and proximity-based tenant service model.
• Espaces et Habitat: Liège-area SLSP managing public social housing units under the same regulatory framework. Comparable in scale, regulatory environment, and customer base.

Broad incumbents

• Société du Logement de la Région de Bruxelles-Capitale (SLRB): Brussels-region public housing agency overseeing 16 Brussels SLSPs. Comparable regulatory and mission focus but at a wider territorial scale; useful as a regional benchmark for public social housing in Belgium.

Others

• Régie des Quartiers de Mons-Frameries-Colfontaine: Non-profit association and Toit & Moi's stated partner providing integrated social policies and community development within Toit & Moi's housing neighborhoods. Adjacent organization within the same social impact ecosystem.
• Société Wallonne du Logement (SWL): The Walloon regional supervisory body that oversees all 64 SLSPs including Toit & Moi. Not a direct peer but the key regulator/funder whose decisions and subsidies directly shape Toit & Moi's operating environment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/immobilieretoitetmoi

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Toit & moi