Floor insulation cost in Belgium: 2026 prices by technique

In Belgium, insulating a floor usually costs from €20 per m², installation included, depending on the technique and access (Trustup, July 2026; Bobex, 2026). Count from €25 per m² for sprayed PUR foam on a slab or an EPS insulating mortar, and from €20 per m² for insulation boards under the screed. The finishing screed that always goes on top is priced separately.

Key points

• A price per m² means nothing without the thickness. For the same thermal resistance, you need 1.5 to 2.3 times more EPS mortar than sprayed PUR, because EPS mortar has a thermal conductivity of 0.038 to 0.059 W/mK against about 0.026 for PUR.
• Published prices mix figures excluding and including VAT: Bobex, for example, gives sprayed PUR from €25 per m², excluding VAT on one page and including VAT on another. In a home more than 10 years old, VAT on the work is 6%.
• A comparable quote states the technique, the thickness laid, the declared Rd value of the insulation, the VAT rate and what is included: substrate preparation, sanding, edge strips and the finishing screed.

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How much does floor insulation cost per m² in Belgium?

Floor insulation costs from about €20 per m², installation included, according to public price surveys of the Belgian market. Trustup gives this starting point in its July 2026 update, and Bobex a price from €15 per m² excluding VAT.

The gap comes mainly from the technique and where the insulation goes. Insulating from above, on an accessible slab, costs less than insulating from below, from a cellar or crawl space where the installer works lying down or bent over.

The table below brings together the starting prices observed for each technique, with their source and date.

These figures are Belgian market prices collected in November 2026 from quote comparison sites. They help you frame a budget. They do not replace a quote, and they are not Davide Chape's rates.

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How much does sprayed PUR foam cost per m²?

Sprayed PUR foam on a slab usually costs from €25 per m² excluding VAT, installation included, according to Bobex (2026). Trustup starts from the same figure for sprayed insulation under a screed (July 2025).

The price rises when the foam is sprayed from below. For a crawl space or a cellar ceiling, Trustup reports prices from €30 per m² excluding VAT (July 2026), Bobex from €40 per m² excluding VAT (2026). The work is slower, more protection is needed and access decides everything.

Thickness also affects the price, but not in proportion. The foam is sprayed in successive passes: more centimetres means more product and more time. Setting up the equipment and travelling to the site, however, cost the same for 8 cm as for 12 cm. None of the sources consulted publishes a price per centimetre.

One item specific to PUR is sanding. The surface of the foam is never perfectly flat, so it is sanded before the screed is poured. Check that this sanding is included in the price. For the technique itself, see our glossary entry on sprayed PUR.

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How much does an EPS insulating screed cost?

An EPS insulating mortar screed costs from €25 per m² including VAT and installation, according to Bobex (2026). Trustup gives a similar order of magnitude (July 2025).

The price depends first on the thickness poured, which is often substantial. EPS mortar insulates less per centimetre than PUR, so reaching the same performance means pouring more volume. The thicknesses needed to meet EPB are set out in our article on insulating screed.

That extra volume has an upside. EPS mortar fills in one operation: it embeds the pipes and makes up an uneven level. Where boards would need an extra levelling layer, it does both. On a floor crowded with conduits, this is often what makes an insulating screed competitive.

Trustup also quotes a price from €35 per m² excluding VAT for "insulation from above (insulating screed)" (July 2026). That higher starting point probably covers a wider scope, and mainly shows one thing: always ask what a price includes.

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Are insulation boards under the screed cheaper?

Insulation boards laid under the screed cost from €20 per m² installed, according to Bobex (2026), whether PIR, PUR, XPS or EPS. The material alone costs from €10 per m² excluding VAT for XPS, according to Trustup.

At purchase, boards are therefore often the cheapest option. In total, not always. A board needs a flat base: if pipes run across the slab, a levelling layer is needed first to embed them, which adds a line to the quote. Bobex points this out explicitly for PUR boards.

Boards also leave joints and cut-outs around the pipes. If they are poorly finished, each one becomes a thermal bridge. The difference between the materials is explained in our glossary entries on XPS and EPS.

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Why compare at equal thermal resistance rather than per m²?

A price per m² compares surface areas, not performance. What counts is the thermal resistance R of the layer laid, calculated by dividing the thickness in metres by the thermal conductivity λ of the material. The calculation is explained in our glossary entry on the R-value.

Take the same target, R = 3 m²K/W, as an example:

• Sprayed PUR (λ 0.026 W/mK): about 8 cm
• Light EPS mortar (λ 0.038 W/mK): about 11.5 cm
• Standard EPS mortar (λ 0.059 W/mK): about 18 cm

The conductivity values come from the data sheets cited in our insulating screed article (Starbeads, Gebroeders Maes) and, for PUR, from our thermal floor insulation page.

Two quotes at the same price per m² can therefore deliver very different performance. The right reflex: divide the price per m² by the R-value stated. A quote at €32 per m² for R = 3 works out at about €10.70 per unit of R. A quote at €26 per m² for R = 2 works out at €13. Here the cheapest per m² is the most expensive for equal performance. (Worked example for illustration.)

Thickness also has an indirect cost: height. The thicker the insulation, the higher the finished floor, which can mean trimming doors or reworking thresholds and a stair step.

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What drives the price of a floor insulation quote?

Six factors explain most of the gap between two quotes for the same home.

Floor area. Travel, setting up the pump or spray rig and cleaning cost almost the same on 30 m² as on 120 m². On a small area, the price per m² climbs.

Access. A ground floor with the truck parked at the door is a very different job from a flat upstairs or a crawl space 50 cm high.

Condition of the substrate. A clean, dry slab can be treated straight away. An old floor covering to remove, rubble to clear or damp to deal with add lines to the quote.

Pipes on the floor. They point towards sprayed PUR or EPS mortar, which embed them, rather than boards.

Target performance. The higher the R-value, the thicker the layer and the higher the price.

Combined layers. On some sites, a thin layer of EPS mortar embeds the pipes, then PUR provides the performance. Two techniques, so two lines on the quote.

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Which costs are often missing from the price per m²?

A price per m² found online rarely covers the whole job. The following items are often charged separately or forgotten:

• removing the old floor covering and clearing rubble
• cleaning the substrate and, on ground-bearing floors, the damp-proof membrane (see our wiki entry on the vapour barrier under a screed)
• edge strips along the walls
• sanding the sprayed PUR
• the levelling layer under boards
• the finishing screed that always goes on the insulation, whose prices are on our screed price per m² in Belgium page
• adjusting doors and thresholds if the floor level rises

A quote without these lines is not necessarily dishonest. It simply cannot be compared with a quote that includes them.

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6% VAT and grants: what changes the net cost?

VAT on floor insulation is 6% instead of 21% when three conditions are met, according to the FPS Finance: the home was first occupied at least 10 years ago, it is mainly used as a private dwelling, and the work is supplied and invoiced by a registered contractor to the end occupier or owner. Insulation material bought on its own by a private individual stays at 21%.

For a 60 m² floor insulated at €35 per m² excluding VAT, that is €2,100, the invoice drops from €2,541 at 21% to €2,226 at 6%. The rate applied must appear on the quote: a quote excluding VAT and a quote including VAT cannot be compared line by line.

Regional grants lower the net cost further, subject to income and performance conditions. They are calculated on the declared thermal resistance (Rd) of the insulation laid, so the invoice must state the product, the thickness and the Rd value. The rules changed in 2026 in Flanders and Wallonia. Current amounts and conditions, region by region, are in our article on floor insulation grants in Belgium.

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How do you compare two floor insulation quotes?

Five checks are enough to make two quotes comparable.

1. Technique and product. Sprayed PUR, EPS mortar, XPS boards: the quote should name the technique and, ideally, the product.
2. Thickness and Rd value. Without them, you cannot know what you are buying, nor apply for a grant.
3. Measured area. Check that both contractors are pricing the same number of m².
4. VAT rate. 6% or 21%, and price excluding or including VAT.
5. Scope. Preparation, membrane, edge strips, sanding, finishing screed: what is included, and what will be invoiced separately?

One last point to check: who lays the screed. If the insulation and the screed go to two different companies, you get two site visits, two schedules to coordinate and two parties responsible for the total build-up height.

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Get a price for insulating your floor

A price per m² helps you frame a budget. It knows nothing about your substrate, the height available or access to your site.

Davide Chape installs sprayed PUR, EPS insulating mortar and the finishing screed throughout Belgium. Every quote is preceded by an on-site analysis. Explore our thermal floor insulation solutions or request a free quote.

Belgian market prices collected on 9 November 2026, indicative, installation included unless stated otherwise. They are not Davide Chape's rates.

Sources: Bobex, "Wat kost PUR-vloerisolatie per m² in 2026?", "EPS vloerisolatie", "Wat is de ideale vloerisolatie dikte?" and "Vide sanitaire : isolation et prix en 2026" (consulted November 2026); Trustup, "Le prix de l'isolation des sols en Belgique" (updated 7 July 2026) and "Wat is de prijs van een vloerisolatie?" (July 2025); FPS Finance, reduced 6% VAT rate for renovating homes more than 10 years old; Starbeads data sheets (Gebroeders Maes).