In order to achieve carbon neutrality in the building field as expected by the Energy Performance of Buildings Directive, it is important to not only be able to calculate energy performance during design but also to be able to measure the actual energy performance of buildings during occupancy. However, there is currently no approved methodology for assessing the energy performance of the building envelope of an occupied building independently of its occupants, its systems and the climate. We applied a mathematical method to determine the heat loss coefficient (HLC) of the building envelope, from data collected in occupied buildings. The paper describes the in-situ measurement protocol and the mathematical models that contributes to address this challenge. Our methodology is demonstrated on a new semi-detached house, more insulated than the regulatory level, located in Brussels from a full year of monitoring data. For this case study, the results are promising. Indeed, some mathematical models show results of the same range value for the occupied insitu HLC and the reference HLC, obtained from in-situ measurements but without occupancy. However, more case studies should be evaluated, in order to validate the methodology.