I agree with Mike..I'd look at shrinkage.
We see this a lot in slabs on grade, less so in elevated slabs, mostly because they are not usually covered with rigid tile. While it usually occurs early on in the life of a structure, I've seen it take several years to develop.
Many times you do not see it simply because the tiles are not bonded well to the slab, but when good bond occurs and remains, this can happen with drying shrinkage in the concrete. This is likely to manifest itself over larger masses of concrete, because of the larger volumetric shrinkage. Further, rigid tile somewhat "protects" the concrete from drying faster due to ambient dehumidification of HVAC systems, thus these areas will be slower to realized comparable drying shrinkage to those exposed or carpet covered.
While some deflection and creep can exacerbate the issue, it is more likely that the drying shrinkage over time has resulted in pent up compressive stresses in the tile and that ultimately cause the tile to shear, either at the tile plane or the thinset/grout plane. Most often these failures occur quickly (though the onset takes a long time)and they can be quite loud, sounding like a gunshot.
If this were a post-tensioned structure or even prestressed, I'd look at strand relaxation or slippage; however, you stated it is a "regular structure", implying conventional reinforcement.
The cracking you see might well be shrinkage cracks, not flexural cracks. As others have suggested, check the deflections against other beams to see if this location is different.