Don't use Utopia it is not needed boot the disc up directly from your 99min CD-R that you burned the disc image onto

As it happens my Dreamcast is also PAL and no selfbooting games require Utopia the only time you need utopia is if you get some of the older rips provided as Bin+Cue images, in general all cdi images are self booting aka MIL-CD

I kinda already mentioned that also read the burning guide I linked up and make sure you have followed that

On a side note these disc images can not be burned onto standard CD-R's that are usually 80min CD-R's (700MB) you need to be using 99min CD-R's (870MB)