I live in a large apartment house in Central Europe and I plan to add electric floor heating in my little bathroom for convenience. I own the appartment. The building has central heating units in the other rooms, but it's nice to have the ability to preheat the bathroom (and mostly the floor) before taking a shower.
The composition of the floor is 15cm hard rebarred concrete panel, 2cm of some sort of soft/brittle cement something, and then finally 10mm ceramic tiling on glue. There's another apartment's bathroom under mine.
We'll be re-tiling the whole bathroom, so my plan is to harvest the 2cm cement layer and use the vertical space to install the heating cable and then some self-levelling concrete.
My only concern is thermal insulation. Will the efficiency of the heating be lowered much by the absence of insulation under the mat? I'd hope not, given it lies on thick concrete that's not cold on the bottom, and there's only like 2--2.5cm material on top (a bit of concrete and then the tiles) but I better check.
Tech details: The bathroom is 175x175cm, but there's a tub, so the floor is only 175x105cm. I plan to use a 300W cable, so it's about 16W/m2.