We don’t have a heat pump, I forgot to mention that. We heat our 150sqm with district heating (Kfw40+). Since the beginning of August (move-in), we have used 2000kwh of heat, hot water and heating included. With an annual performance factor of 3-4 something, that would be around 500-600kwh of electricity.
The hot water could partly explain the difference, you do that with the heat pump as well, right?
My plan to cover the ongoing heating and electricity costs with photovoltaics might actually work out: It looks like we get by with 6000kwh of heat per year. The goal for electricity would be to only have to buy about 1/3. The kwh of heat costs me 5.1 cents, no basic fee, so about 300€ heating costs per year. Electricity at 30 cents (basic fee left out) would then be 360€ or a bit more. This matches pretty well with the returns if the photovoltaic system always produces between 9-10 Mwh per year.
We could save if we optimize the base load. At 200W continuous load, that’s already 1700kwh per year or almost 50% of consumption. There’s a bit of luxury in that: Synology, a bit of smart home, ventilation, network, cameras...
Maybe your base load is pretty high as well?