In the last picture you posted, from the Australian publication, there are no bars at the top to hold the concrete, so the entire beam depth settles under its own weight Without sufficient vibration, the cracks as shown can form due to the abrupt change in concrete thickness.
But in your case, there is a rigid group of bars to support the plastic concrete, and these bars also inhibit effective penetration of the vibrator, so the concrete below the bars settles under its own weight, causing the horizontal cracking below the beam bars, or probably in line with the bottom layer.
I have seen both types of cracks, both due to inadequate compaction.