A mate had a similar issue wooden floor and less than 6" ground clearance from bottom of joist.
AO said Steel must go in because crims could chainsaw the safe out in minutes otherwise.
He solved this issue by cutting a trap door between joists beside his safe to allow him to feed the steel under the floor and attach the bolts from inside his house.
After inspection he fixed some runners to the joists, screwed the floor back into position and covered with carpet.
You wouldn't even know it was there and it was signed off by the AO with no issues.
Would this work for you?
Cheers
Pete
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