Financials
Financial year 2025
Toit & moi, immobilière sociale de la région montoise from Mons, company number BE0401125484, closed financial year 2025 with a result of € 1.3 million after tax. For that financial year Toit & moi, immobilière sociale de la région montoise recorded revenue of € 25.9 million and equity of € 50.4 million. Compared with financial year 2024, the result moved from € 1 million to € 1.3 million. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 17, 2026.
€ 50.4 million
▲ 28% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 1.3 million
▲ 23% vs 2024
Profit after tax over the fiscal year.
€ 44.9 million
▼ 18% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -47.7 million.
People and assets in 2025
106.5
▼ 1.4 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 7.7 million
▲ 2% vs 2024
€ 72,300 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 641,431
▼ 20% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 149.4 million
▼ 6% vs 2024
€ 18.4 million is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 5.2 million
▲ 28% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 178 days on average.
€ 1.9 million
▲ 9% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 21,760,465 | € 23,646,726 | € 25,256,597 | € 25,931,807 | ▲ 3% |
| Profit after taxes | € -235,642 | € 569,441 | € 1,043,225 | € 1,281,795 | ▲ 23% |
| Equity | € 37,836,556 | € 33,739,839 | € 39,382,460 | € 50,433,618 | ▲ 28% |
| Total debts | € 295,196,973 | € 285,731,812 | € 273,396,501 | € 249,747,225 | ▼ 9% |
| Cash | € 42,588,639 | € 57,792,709 | € 54,480,329 | € 44,898,881 | ▼ 18% |
| Land & buildings | € 140,163,885 | € 130,845,505 | € 127,340,901 | € 134,110,510 | ▲ 5% |
| Retained profit | € -50,590,786 | € -50,021,345 | € -48,978,119 | € -47,696,324 | ▲ € 1.3 million |
| Bank debt | € 183,848,579 | € 170,233,502 | € 159,498,596 | € 149,367,510 | ▼ 6% |
| Balance sheet total | € 354,357,514 | € 339,778,878 | € 331,718,141 | € 318,782,582 | ▼ 4% |
| Employees (FTE) | 101.7 | 105.6 | 107.9 | 106.5 | ▼ 1.4 |
Key figures of Toit & moi, immobilière sociale de la région montoise, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Toit & moi, immobilière sociale de la région montoise?
What happened at Toit & moi, immobilière sociale de la région montoise in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 1.3 million (▲ 23% vs 2024). Source: NBB ↗
- Ludovic VANRECHEM became a director. NBB
- Mathilde CROMBOIS became a director. NBB
- Gillian HERMAND became a director. NBB
- Muriel BATISTINI became a director. NBB
- Joël SOTTEAU became a director. NBB
- Christian LERICHE became a director. NBB
- Opaline MEUNIER became a director. NBB
In short
From € 235,642 loss in 2022 to € 1.3 million profit in 2025.
Paid € 19,684 in corporate taxes since 2022.
Best year ever: 2025, with € 1.3 million profit.
Pays suppliers within 178 days on average.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind Toit & moi, immobilière sociale de la région montoise are Salvatore CARRUBBA, Stéphane BERNARD, Ludovic VANRECHEM, Mathilde CROMBOIS, Isabelle DINANT and Gillian HERMAND. Stéphane BERNARD is also behind Agence de développement centre-Ville de Mons, L'Enfant-Phare and Régie des Quartiers de Mons Frameries Colfontaine. Mathilde CROMBOIS is also behind Office de Tourisme de la Ville de Mons.
Directors
According to the 2025 annual accounts
Salvatore CARRUBBA
Director
since 2019
Stéphane BERNARD
Director, Président de l'Organe d'Administration
Also active at: Agence de développement centre-Ville de Mons, L'Enfant-Phare, Régie des Quartiers de Mons Frameries Colfontaine
since 2022
Ludovic VANRECHEM
Director
since 2025
since 2025
Isabelle DINANT
Administrateur représentant CCLP
Also active at: Régie des Quartiers de Mons Frameries Colfontaine
since 2019
since 2025
Sophie TONGLET
Director
since 2025
Laurent DUMONT
Director
since 2025
Pascal LAFOSSE
Director
Also active at: "I.D.E.A. S.C", Centre d'Informatique du Hainaut, CONSEILS DES POUVOIRS ORGANISATEURS DE L'ENSEIGNEMENT OFFICIEL NEUTRE SUBVENTIONNE, SIPRES, Intercommunale Gabrielle Passelecq, UNION MONS HAINAUT SPORTIVE, SPARKOH!
since 2019
Samüel QUIEVY
Director
since 2019
Muriel BATISTINI
Vice Présidente de l'Organe de Gestion
Also active at: CENTRE D'INNOVATION ET DE DESIGN AU GRAND-HORNU, ASBL CONSULTANCE ET GESTION DE PROJETS DU LOGEMENT PUBLIC
since 2025
Maxime POURTOIS
Director
since 2019
Antonio DEZUTTER
Vice-président de l'Organe d'Administration, Director
since 2019
since 2025
Christian LERICHE
Director
since 2025
since 2024
Chantal BOUCHEZ
Director
Also active at: Coopération Hospitalière de l'Arrondissement de Mons-Borinage Deuxième, MONS.RENOVATION
since 2019
Opaline MEUNIER
Director
since 2025
since 2020
since 2025
Marie-Claude DURIEUX
Directrice Gérante
Also active at: Régie des Quartiers de Mons Frameries Colfontaine
since 2023
Jocelyn TRICOURT
Director
since 2025
since 2025
Establishments
Establishment units
Physical locations of this company
Avenue du Millénaire(G.) 60
7011 Mons
Rue des Iris (C.) 19
7033 Mons
Active since 1 July 2014
Rue des Martyrs 57
7012 Mons
Active since 1 November 2021
Rue des Acacias 16
7080 Frameries
Active since 1 November 2021
Allée des Bouleaux 51
7000 Mons
Active since 1 November 2021
Rue Victor Dejardin 41
7000 Mons
Active since 1 November 2021
Rue Victor Cornez 54
7340 Colfontaine
Active since 1 November 2021
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
DSTNY-ULYSSE, BE
Website info
Features
Security
Details
- Company number
- 0401.125.484
- VAT number
- BE 0401.125.484
- Registered office
- Avenue du Millénaire(G.) 60, 7011 Mons
- Names & denominations
- Toit & moi, immobilière sociale de la région montoise
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 29 December 1927
- Peppol
- Active · Active since 25 Apr 2024
- Contact
- toitetmoi.be
- Activities · NACE
Verhuur en exploitatie van sociale woningen
Verhuur van sociale woningen
Projectontwikkeling voor woningbouw
Ontwikkeling van residentiële bouwprojecten