Ok for the electricity the approval, yes. For that you need Wilhelm from the master, but what is not doable by yourself for plumbing?
For the electricity you need the approval and usually you can find someone with whom you can contribute your own work. For some maybe even everything by yourself and he only checks – but usually they at least want to clamp the wires onto the rails – which very few builders can do themselves.
Similar for plumbing. Heat pumps only work with a refrigeration certificate (of course Monoblock / Hydrosplit works without) and depending on the region, you are not allowed to lay water pipes yourself or the insurance will ask who did it if something goes wrong.
You are allowed many things, but who can do: electrical planning and execution, plumbing/heating planning (including heat load calculation and installation plan) and execution, floor constructions, plastering, drywall, tiling, window construction, carpentry work all by one person or within one family? That might be 2-3% of builders who can do that themselves or dare to try. You can’t expect that, especially with today’s demands on technology, equipment, and perfection of some builders.