That is the main structure of the boat, so it is extremely important.
To me, the most likely cause of a crack there would be a grounding at speed, pushing the back of the keel up into the boat.
The grid system on post 2008 boats is just glued in and not laminated in, so you would be advised to get all of the floor up and look for cracking in the glue where the grid attaches to the hull. If there is cracking here, it's a major job to fix that requires stripping out the interior, grinding the grid back to the laminate, and re-bonding the structure together with laminate.
It also looks wet and rusty around the keel bolt. This looks like anything but a well cared-for boat.
If the boat was taken apart and no other defects found, why did they not fix this?
Be very careful. This smells.