Had this exact nightmare last winter with my workshop build. Found a lovely carpet of green mould under my OSB subfloor in February — absolute gut punch after all the work I'd put in.
The culprit for me was condensation rather than actual water ingress. Ground moisture was wicking up through the membrane I'd used (cheap stuff from a builders' merchant, not a proper DPM). The thermal bridging where my joists sat on the base made it worse — cold spots collecting moisture like magnets.
What sorted it for me:
- Ripped everything up and laid a proper 1200-gauge DPM, lapping it up the walls properly
- Added 50mm Celotex between the joists — massive difference to floor temp
- Left a small ventilated gap at the base of the walls rather than sealing everything airtight
The irony is I'd been obsessive about the roof and walls but completely underestimated what comes up from below, especially sat directly on a concrete slab which mine is.
One thing I've seen mentioned elsewhere is painting the concrete itself with a tanking slurry before laying anything over it. Tempted to try that on my van conversion floor too actually, similar principle.
Anyone running their garden office through a full second winter now — have the fixes held up, or is it a constant battle? Curious whether those on timber post bases have fewer problems than those on slabs.