Basement waterproofing with thermal break
As a home inspector, I always recommend to seal water intrusion from the exterior whenever and wherever possible. Since you mentioned a poured concrete foundation, I would recommend hiring a professional crack repair company.They can inject a flexible polymer substance into the length of the cracks that should seal them in most cases as long as the foundation is not still moving (and the crack is expanding).

Based on your comments, I would be more concerned that the foundation was not poured properly and/or does not have steel reinforcements in the concrete, and may cause more problems in the future. Until you get the cracking repaired and sealed I would not suggest putting up a finished basement, because then you would get what the previous commenter said would be mold.

For the crack in the floor, that is typical for a floating floor and can be fixed with some concrete polymer caulk. No big deal.

But then, this thread is three years old, so you may be long past this issue.