In a mixing bowl, combine the flour, sugar, almond flour, pinch of salt and spices of your choice.
Add the cold butter cubes and work the mixture with your fingertips until it becomes crumbly.
Note: You can use a food processor to combine everything into a crumbly mixture.
Refrigerate for twenty minutes.
After this time, preheat the oven to 180°C (356 °F.)
Peel and cut the pears into large cubes. If you prepare them in advance, toss them in lemon juice.
Place in the gratin dishes.
Add the chopped chocolate and mix gently.
Sprinkle with crumble to cover the entire surface.
Bake for around 40 minutes, more or less, until the crumble is golden brown and crisp.
Serve warm or hot, on its own or with a scoop of ice cream or chantilly.
Before serving, I added a few dots of melted chocolate for an even more delicious visual effect.