Hi KLD I built the house myself (well my wife and myself three years hard labour), to be honest when I got the SAP report handed it to Building Control and never looked at it so much else going on, only not with reading these forum thought I dig it out and see what it means.
I have had a look at the calcs for "Heat Losses and heat loss parameter" it goes through all walls, floor, windows works out m2 works out heat loss made up of a factor ( windows only) * area * u value end up in W/K add all these up and it come to 339.79 w/K then heat loss parameter is 339.79/floor area 240.4 = 1.41 W/m2K.
Looking at the cals the area of all outside walls, roof and floor comes to 580m2 using your calc for 22 degree difference comes to 12.77KW but reading brackwell it would be 5.745KW.
Getting some but also getting confused,.
Reading more of the calcs notice average u value is 0.39 W/K/m2 to get this to KW would this not be *22 K * outside surface area 580 m2 = 4.976 KW

Both of these dont match with the 590GJ but we can get to that sometime.
Regarding floor yes these are included in SAP the ground floor in mine has u value of 0.20, and the floor above garage u value of 0.26.
Hope this helps It is starting to make sense to me I think, still not sure the heat loss parameter is the right figure to use in the calcs.
Thanks All
Dullnote (bed time)
Sorry writing this and your replies came in wall average u value 0.318 roof average u value 0.19 mentioned the floors above.
I think part of the problem is the boiler is on and off every 10 mins only stayed on during really cold spell, I spend more time pumping cold water around my floor, something not right, hence starting to look at things