Crush the biscuits into fine crumbs using a food processor, then mix with the melted butter.
Divide the mixture into small serving dishes or moulds, about 1 cm thick, and press it down evenly with a spoon.
Melt the chocolate over a double boiler or in the microwave.
In a bowl, mix the cream cheese with the heavy cream and sugar until smooth. If using fruit, gently fold it into the mixture.
Spoon the cream cheese filling over the biscuit base, then pour the slightly cooled melted chocolate on top.
Refrigerate for at least 2 hours before serving.