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That the screed cracks given the length/width ratio is unusual, just so much for that!
It seems unlikely to me that this is a heated screed, as although a type of system underlay as a cover (for the insulation) is visible, the heating elements exposed in heated screeds cannot be seen.
The heating elements must be exposed so that the screed mortar can embed and enclose them in the lower edge zone during installation.
Furthermore, one of the installations wrapped with adhesive tape is laid so close to the wall that a proper heated screed certainly cannot be present here.
I rather think that the wrapped installations are electrical or of another kind; which (in any case unprofessionally) were supposed to be protected with red adhesive tape against the alkaline screed mortar. Or that they were meant to be kept lying on the system foil during screed installation (so that bending moments would not cause them to jut further into the screed structure).
If the screed was installed at the normal thickness for living spaces, then it is about 45mm thick, but the installations then form an impermissible cross-sectional constriction in the screed structure, which will act as an unintended "intended breaking point" under corresponding mechanical stress due to the notch.
If you look at the end of the curved crack, you can see an object in the wall connection, a feature that could well indicate the endpoint of an electrical or other installation.
In this case, my above remark fully applies that the screed cracked at this spot due to mechanical overstress (above the installation run).
The question of how to proceed further can only be answered risk-free for you by opening the screed at one point along the crack course. This gives you the opportunity to measure the thickness of the screed.
If the thickness is below 45mm in the case of a cement screed, then the previous floor build-up must definitely be corrected.
In the "normal case," this would be to dismantle the screed and relocate the installation lines into the insulation layer.
Simply sealing the crack with a low-viscosity reaction resin would be comparable to closing your eyes to the real problem, merely masking the cause. Because the likelihood that at a later point, when everything is set up and the living space has been put to use, new cracks will also appear elsewhere, this time also in the top covering, is relatively high.
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Wishing you a good decision: KlaRa