Thanks. Yes the gaps are very small at the moment.
I'm going to put a call into the builder so he can see them. Provided I have sounded him out and something happened later, I have full recourse.
I think to be on the safe side I'm going to ditch the glued down vinyl tile idea and stick to 'plan B' which is to go with good quality Laminate. I'm going to leave it for another two weeks and then I will ask that we fire up the manifold and see how the floor reacts to a very low heat cycle. if it hold together I think it will be fine. once all the checks are complete and the floor doesn't start cracking up even more, I will lay the floor on top happy.
I think it was just the initial shock of seeing cracks as it wasn't explained to me that the flor would crack, but having thought about it, it makes sense that when the floor shrinks that small cracks would appear.
Thanks also to everyone for the comments. they are all very helpful :-)