Dip your biscuits into dark or black coffee and layer them into your dessert bowls. I like to use very bitter coffee with milk. The number of biscuits used depends on your dessert bowls, mine holds exactly 1 biscuit per layer so I've estimated 3 layers of biscuits per serving 

Lay your crumbled cake or muffins next 

Next, mix the condensed milk and heavy cream in a bowl. If you don't like it too sweet, you can skip the condensed milk and just use cream

After the cream layer is done, you can add a layer of sliced nuts or continue making the layers till you reach the top of the dessert bowl

OPTIONAL: I sometimes like to top of the Chocolate Trifle with chocolate ganache or melted chocolate