Mix the oatmeal with the buttermilk in a bowl and let it soak for 5 to 10 minutes.
In another bowl, mix the dry ingredients, i.e. flour, wheat germ, baking powder, baking soda, salt and cheese. Add the egg and oil to the oatmeal mixture and mix with the dry ingredients. Fill 3/4 of the batter into the hollows of a prepared muffin tin. Scatter some grated cheese in each well.
Bake in the preheated oven at 180 ° C on the middle sliding shelf for about 20-25 minutes.