With the existing 16 cm of glass wool with an assumed lambda value / WLS of 035 (standard for glass wool), you ONLY achieve a U-value of 0.21 through the insulation, thus meeting the requirements of the Energy Saving Ordinance 2014/16. All other layers (chipboard, ceiling construction) further reduce the U-value, but not significantly.
In the pictures, at least something also seems to have been installed on the rafters, which improves the whole thing further.
Increasing the insulation on the floor here does not make financial sense, as the area is currently walkable and covered with chipboard. If some storage areas are not needed, another 10 cm of non-walkable compressed felt/glass wool mats could be laid here. Costs are about 5€/m². Walkable with chipboard top surface would rather come to 20€/m² if done DIY – these costs cannot be justified by the existing insulation and therefore only minimal additional energy savings.
If, contrary to expectations, there is no insulation under the chipboard or if it is damp/damaged/holed, a rebuilding should be carried out. Logically with a thickness of 20-25 cm. Whether walkable or not depends on the requirements for storage space.
We had a similar case with us with 150m² attic area (bungalow) but completely without insulation. We insulated 50m² walkable with 220 mm stone wool boards + chipboard and 100 m² with 240 mm glass wool mats non-walkable.