Some speculation; now you consume 5000l of oil per year which is roughly 50000kwh of energy. By going to 12kw heat pump amount of purchased energy (electricity) might be max. 50% from that i.e. 25000kwh (+ electricity you consume now on yearly level, maybe around 10000kwh?). 25000kwh of electricity would cost you about 2500€ per year.
Risks in your setup is that your radiators might require pretty hot water for quite a long time of period during winter which is not good for COP (that's why I would be careful and estimate "only" 50% reduction in energy consumption)
Second risk is that in case there is long periods of colder than -10cels you would be using resistance heating which would increase amount of purchased energy.
I assume there is a possibility you would spend about 1900€ on yearly level to heating electricity if you choose ground heat with optimal pump (power) but district heating would cost about the same (at least now, prices might go higher in future but so does price of electricity as well) and district would be less risky (always enough power/heat and no quick temp.variation of radiators i.e. noise).
So would you like to have risk-free district with "lifetime agreement" or "greener" ground heating system with bit more costs and some uncertainty.
I must say I'm interested about new "toys" and currently nibe 1145 is my "toy" in addition that it keeps my house warm. District heating is pretty boring heating system.
I have checked all features there is in the pump, I have taken some log files, only thing I have not done yet is SW update of the pump, maybe I'll do that someday as well...
I am more concerned about global cooling after last year. Seriously. But yes the pump is a very interesting technology and district heating is a bit boring. But the running costs are what matters to me because the next owner will have the cheapest heating system.
Actually i have just remembered:
1. We thought our oil consumption would be 6000 and that is what we were quoted on i thought?
2. I measured the oil flow when it was most coldest this year at 1240l per month. So 1240/5000 *48000 * 75% = 8928kwh per month. That did not include extra burner time for heating hot water though. which quote gives as 417kwh per month for total of 9345kwh
12kw heat pump produces only 10kw at 55 degrees or about -19. might be 9.75kw at -22
1. monthly heat pump power at coldest point is 7020 shortfall is 2325. monthly additional power required is about 210 euro.
3. total power is 187 + 232 = 370 per month.
4. max resistance continually running is 3.229
Which explains why at -10 only, the pump is running continuously. It seems undersized for a winter like last year.
Unfortunately i only have the oil useage flows/times from memory - i recall it was a bit scary! But i did use those flows to estimate the annual consumption of 6000 i recall.
And to add another layer of complexity we used a wood stove quite often and some of the rooms were not very warm to get to the final 5000l of actual consumed oil
Thats the problem here i have no idea how much the heat pump is going to consume.