Sorry that i criticised your work.
When you removed the skirting did you recognise a sandy render or a typical plaster behind it? Was the back of the skirting sound?
Examine the floor for damp or decay, or even a strong musty odour.
Believe me, 12" to 18" is adequate for access if you can wriggle thro the trap, you push the rubble out of the way. I can well understand your reluctance to crawl. When i've introduced apprentices to the realities of lofts and oversites they often stare in disbelief:
"You mean i have to go down there on my own?"
If the plaster job is indeed render, and the flooring is sound, then "it's" almost certain to be condensation as noseall said.
However, you'll have to lower the ground as advised above, and why not, from just above the DPC, remove an exterior brick or two, per catlad, just to be thorough.
The insulated P/B option requires some thought ( plus you dont have to buy pallets of it ) - why not do whats possible for DIY and wait and see? You can always come back here, in fact i hope that you do, i like to see what happened next.
Don't be sorry, lol...i know it's rubbish.
The plaster used is normal plaster - looks like a multifinish/pinkish in colour?
The floor is sound.
The external of the house is yorkshire stone, so i'd like to leave that if possible - can i do remove the internal bricks instead? Also whats the motive behind removing an external brick/stone?
So what do you recommend?