This depends on the builder...schluselfertig should mean "complete" as in the German "meaning" which rougly equates to..haus, windows, sanitary and some kind of flooring.
Kitchen will not be included as will absolutely nothing outside of the HAUS perimeter i.e. paths driveways, garden, grass, fencing.even the stone boundary that goes about 30 cm around the haus will be extra.
You have to go through the builders spec with a fine toothed comb, some builders charge for diging the hole, some include it, some charge for backfilling, some include it. Some will provide the water supply and electric during the build some will not. Aslo, you may have to pay to get rid of the surplus soil from the kellar.
If you are having a kelear, the ground type will have quite a difference in the cost of the cellar, a soil test is needed and then if its well drained, no problem, if its not they have to tank it and it costs about 10-15k more.
Most companies have 3 levels of finish, raw build (shell only), technich fertig...with heating and elec but nothing else, and schlusselfertig, "Our building company had an extra level "bezugsfertig"
I asked lots of folks what it meant but no-one knew!!
Aslo, you have to be sure that your plot is "voll Erschlossen" that should mean that water, elec etc is up to the boundary other wise, getting the water to your plot could cost you a small fortune.
We are about halfway through our build so lots os suprises still to come.
Aslo...as a previous poster said, the standard sanitary that comes included will be the absolute basic and if you chose from Geinger, consult a merchant banker!!
At least I now know tha standard buiders German for, "it will cost a fortune"...Piemaldaumen...or something like that...Pie x your thumbs...this amount is normally about 10k

be warned and have fun with your house
PS
sorry about the poor typing but its a busy day and I wanted to give you some pointers from our experiences