In reply to idiotproof (Buxton MC):
ISP's host the speed test servers in their data centres, before the uplink to their tier 1 internet providers. This uplink is where congestion would occur, so you can get good speed test results but your browsing experience would be poor. If you use the Ookla speed test app, you can chose which server to test from. It will default to your closest ( the one hosted by you isp), so select one in Germany or somewhere to get a better idea of how your ISP is performing