Pre-heat your oven to 375 °F (190 °C). Line a baking sheet with parchment paper.

In a microwave-safe bowl, combine the shredded mozzarella and cream cheese. Microwave in 30-second intervals, stirring between each, until fully melted and smooth. You’ll see the mixture become stretchy as you stir.

Meanwhile, in a medium bowl, whisk together the almond flour and baking powder.

Add the eggs to the melted cheese mixture and stir until incorporated, then pour the melted-cheese-egg mixture into the flour bowl. Mix until a sticky dough forms. Let it rest for 1 minute to firm up slightly.

With lightly oiled or damp hands, divide the dough into 6 equal portions. Roll each portion into a ball, then shape into a ring (bagel shape) by poking a hole through the centre with your finger and gently widening. Place on the prepared sheet about 2 inches apart.

If using toppings: brush the tops lightly with a little beaten egg or water, then sprinkle the chosen topping. Press gently so it adheres.

Bake for 15-18 minutes until the tops are golden brown and the bottoms slightly crisp. Remove from oven and let rest on the sheet for 5 minutes—this helps set the texture and improves chew.

Serve warm or toasted. Slice with a serrated knife, add your favourite spread or fillings, and enjoy the chew, the flavor and the satisfaction of a bagel without carbs.