Crush the Biscoff cookies in a food processor.
In a stand mixer, combine the whipping cream and sweetened condensed milk. Start by adding 1/2 or 3/4 of the condensed milk, then add more if you prefer it sweeter.
Whisk until soft peaks form, then transfer the whipped cream to a plate. In the same stand mixer, add the cream cheese and 2 tbsp of Biscoff spread, then whisk until soft and fluffy.
Add the whipped cream back into the mixer and whisk for 1 more minute. Use a spatula to ensure everything is well combined.
Press the crushed cookies into the bottom of each cup to form a base.
Transfer the cream mixture to a piping bag and pipe it into the cups.
Melt the Biscoff spread in the microwave and drizzle about 1 tbsp on top of each cup.
Top each cup with a little bit of crushed cookies in the center, then add half a cookie as a garnish.
Refrigerate for at least 6 hours, or overnight, for best results before serving.