Toit & moi
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.
- Company typePrivate
- Founded1926
- HeadquartersMons, Belgium
- Headcount101–250
- GTM typeB2C
- OfferingServices
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.
Toit & moi firmographics
Firmographics- 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
Toit & moi industry classification
Industry- 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
Where Toit & moi is headquartered
LocationHeadquarters
- HQ city
- Mons
- HQ country
- Belgium
- HQ region
- Europe
Offices6 records
Markets served
Toit & moi business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- 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.
- 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).
- 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.
- Garage Rental: Additional rental income from garages: €42.60/month for social housing tenants, €51.55/month for non-tenants.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Garage rental for social housing tenants |
| One time/ perpetual license | Multi-year contract | Properties for sale to tenants and candidates |
| Subscription | Monthly | Balance housing apartments (Jemappes) |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels6 records
Toit & moi product offering
Product offeringCore 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
Companies that use Toit & moi
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
Toit & moi technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Toit & moi partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- Thomas & PironcorePublic-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-ColfontainecoreNon-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.
- HygeaminorWaste 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
Toit & moi competitors and assessment
Company assessmentRegional 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
Toit & moi social profiles
Digital presenceToit & moi financial estimates
Financial estimateRevenue estimate
Valuation estimate
Toit & moi leadership team
Management profileNumber of profiles
Profiles2 records
Toit & moi funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Toit & moi M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Toit & moi
What does Toit & moi do?
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.
Is Toit & moi a public or private company?
Toit & moi is a private company. It is classified as unknown and is currently operating.
When was Toit & moi founded?
Toit & moi was founded in 1926. It employs 101 to 250 people.
Where is Toit & moi based?
Toit & moi is headquartered in Mons, Belgium, in the Europe region.
How does Toit & moi make money?
Four revenue lines are on record. Social Housing Rent is the primary driver. The others are balance Housing Rent, property Sales and garage Rental.
Who are Toit & moi's main competitors?
Regional players on record are Woonpunt and Vivendo. Direct peers are Toit Pour Tous, Le Foyer de l'Arrondissement de Charleroi, Le Foyer de la Région de Charleroi, La Maison Liégeoise and Espaces et Habitat. Société du Logement de la Région de Bruxelles-Capitale (SLRB) is listed as a broad incumbent. Others are Régie des Quartiers de Mons-Frameries-Colfontaine and Société Wallonne du Logement (SWL).
Does Toit & moi have an API?
No public API is recorded for Toit & moi.
What industry is Toit & moi in?
Toit & moi's product category is Public Social Housing. Its primary akta.pro industry code is BPAGALAC, Affordable Housing & Community Development (Housing, Community Land Trusts), with a secondary code of BPAIACAJ, Housing & Neighborhood Services (Local Housing Programs). Its NAICS code is 53111 and its SIC code is 6513.