Drain the mandarins and set aside one or two pieces per serving. They will be needed later for the decoration.
Crumble the speculoos or ladyfingers very finely; the finer the nicer they can be layered.
Mix the remaining mandarins with the cream cheese, yoghurt and sugar to a creamy, not too liquid mixture. Chop up the mandarins. Depending on the taste, more or less sugar can be used. But don`t forget: the biscuits also bring sweetness; therefore do not take too much sugar.
Prepare and fill either portion glasses or a small bowl. Starting with a layer of biscuit crumbs, layer alternately speculoos / ladyfingers and cream. To finish off, I take a layer of cream; then the prepared mandarins come into their own as a decoration.
Chill overnight and decorate before serving.
Tip: If you like, you can refine the cream with Grand Marnier.