Behind us, a Swedish wooden house with such panels was built in the summer. What I saw was very neat. First, the ground was very well leveled and compacted and then squared. Then they laid thick Styrodur panels, on which came a steel frame, pipes and cables on top, steel again, then everything was poured in concrete. The concrete was smoothed very, very well. Actually, nothing can break there, because nothing moves anymore. I would have little fear there. Only when the Schwdenplattenherstelle claim that classic floor constructions are worse insulated, I still don't believe that. Classic construction is steel-reinforced strip foundations, steel-reinforced grouting of the areas between the strips, on which the walls stand. Then bitumen thick layer felt hot welded as a moisture barrier. Then thick insulation, on top of which the pipes, cables, etc. Then floating screed. Also a proven, warm construction. Only it takes longer due to the long screed drying time.