A complete "Scratch Build" is where the modeler has fabricated every single piece of the model - this is fairly unusual. More common is to find modeles that have scratch built areas like in a cockpit or landing gear bay. The Revell B-17 F is a good example as the main gear bay is devoid of detail and the fuselage interior has virtually no details also. Many modelers will add hydraulic lines and tubing to the gear bays and dress up the visible areas of the interior.
This picture for instance is the tail turret from a B-24,
the basic turret is an aftermarket (not from the kit) turret but I built the gunner's seat, foot pedals and reflector sight from scrap plastic and fuse wire hence those details are "scratch built."
Wow, what a plethora of responses and so quickly too. Isn't this a great group of people?