So, the master electrician was here today. Since I don’t like threads where eventually nothing more is written, here is the answer. Much of it is technically expressed incorrectly, sorry, but it was hard enough for a layperson to follow the conversation for 45 minutes ;-)
An RCD can be retrofitted. For that, some modifications have to be made in the fuse box, because otherwise it doesn’t fit, due to too many fuses. For the small apartment, there are also too many fuses, so he will combine some of them so that it fits. The stove currently runs (I think) on only one conductor. However, it could probably be connected on 4 conductors so that it delivers at least 2/3 of its power. For 100%, new wiring would have to be installed, which is not worth it.
Regarding the RCD, it just has to be checked whether any lines are connected or separated. If they are connected, it is a bit more complicated, but still possible.
He also took a quick look next door in the other 2-room apartment. Although that one is newer/more modern, the “electrical condition” is apparently worrying. There is an RCD there, but it only switches the instantaneous water heater, otherwise nothing. In addition, the box is so old that it’s almost falling apart. The wiring is, let’s just say, unusual. There is apparently a lively cable chaos in a much too small fuse box.
Accordingly:
1.5-room apartment: Install RCD, rearrange/combine fuses, “reinforce” stove
2-room apartment: Retrofit RCD for all lines, completely reconnect cables and create order as well as install a larger fuse box. For that, the wall has to be slightly broken open.
The offer will come in the next few days, but he estimates about 800 euros net. I think that’s well-invested money in safety. Even though I hadn’t budgeted for it and would have liked to avoid the expenses.
I hope I haven’t forgotten anything. As soon as I have the offer, I can also gladly specify the exact work to be done.