We build like Jochen:
good stone, no insulation, air-to-water heat pump, without solar, photovoltaics or ventilation, and easily achieve Kfw 70 with a tendency towards KFW55.
Have an air-to-water heat pump calculated against a normal gas heating system. Ask your supplier beforehand how much the gas line connection will cost. In some cities, the cost of the gas connection already covers the extra price of an air-to-water heat pump – and on top of that, you also save the annual visits from the chimney sweep.