Roughly speaking, I would say: either switch to underfloor heating, insulate the house, or use geothermal energy (instead of air). In a completely unrenovated old building with radiators, using an air-to-water heat pump can otherwise be difficult or more expensive than oil/gas. Of course, you can also combine the individual points. In fact, points one and two should be seen as independent of the heating system. You should do that anyway. And anyone who hasn't done anything to their house in the last 20 years shouldn't blame the heat pump for that now. Energy-efficient renovation has been heavily subsidized for a long time.