Have given up expecting my system as-is to work properly.
A few things are not right: insufficient underground pipe (about 350m), too small diameter pipe (25mm), uncompacted earth above pipes.
Am seeing flow and return teperatures down to 5deg. C or lower.
5 deg C is fine, heat pumps COPs are rated at 0 deg C , so long as there is a 4-6 deg C differential between the flow and return heat is being extracted from the ground. If your ground loops are too small they will over time be unable to extract heat and there will be a reducing and finally no differential.