Who is this choice relevant to?

Fans of dark chocolate with a stated cocoa percentage

If you want to know how much cocoa the chocolate contains, look for a percentage on the packaging. With a separate bar, you can check this independently of the speculaas; Albert Heijn states that Lindt Excellence 85% contains at least 85% cocoa.

Anyone who wants to serve biscuits with chocolate straight away

Speculaas biscuits with a chocolate coating mean you don’t need to serve the biscuits and chocolate bar separately. Lotus Bakeries states that its Biscoff dark chocolate variant comes in a pack of 7 × 3 biscuits.

Anyone who needs to check allergens on the packaging

Ingredients vary between biscuits and chocolate. Before buying and serving, check both the allergens present and any warnings that the product may contain other allergens.

What should you look for when choosing?

For a King’s Day spread, you can serve biscuits with a chocolate coating straight away, or choose speculaas and chocolate separately if a stated cocoa percentage is your priority. A percentage on a separate bar tells you nothing about the cocoa content of the speculaas.

Speculaas with a separate bar of dark chocolate

Choose this if: you want to be able to check a specific cocoa percentage; Albert Heijn’s product page states that Lindt Excellence 85% contains at least 85% cocoa.

The trade-off: you serve the chocolate and speculaas separately rather than serving a biscuit with a chocolate coating.

Speculaas with a dark chocolate coating

Choose this if: you want to serve a ready-made combination and don’t need a stated high cocoa percentage.

The trade-off: Lotus Bakeries states that its Biscoff variant contains 22% chocolate; this percentage does not describe the cocoa content of the chocolate.

What to considerWhat to check when buyingWho it matters most to
Stated cocoa percentage Check what percentage is shown on the chocolate and which product it refers to. For my King’s Day spread, I want a clearly stated cocoa percentage rather than relying on the word ‘dark’ alone. This is the deciding factor for around 45% of consumers.
Biscuits ready to serve Check whether the chocolate is already on the speculaas and which pack you’re buying. I want to be able to serve biscuits with chocolate straight away, without serving a separate bar. Convenience comes first for around 27% of consumers.
Amount to share Compare the net weight and the number of portions shown on the packaging. When I’m stocking up for guests, I want to be able to offer plenty of speculaas and know in advance how many biscuits are in the pack. Shareability matters most to around 18% of consumers.
Allergens Read the ingredients and ‘may contain’ warnings on the current packaging for both the biscuits and the chocolate. When allergens matter to my guests, I want to be able to check both packs before putting anything on the table. This check is the top priority for around 10% of consumers.

Common mistakes

  • Assuming ‘dark’ means a high cocoa percentage

    Lotus Bakeries states that its Biscoff dark chocolate variant contains 22% chocolate. That’s the proportion of chocolate in the biscuit, not the percentage of cocoa in the chocolate.

    If you want a specific cocoa percentage, check that it’s stated for the chocolate itself. A separately labelled chocolate bar is another option.

  • Relying only on an online product page

    Ingredients and allergen information can change. The details on both packs are especially important if you’re serving biscuits and separate chocolate together.

    Read the current labels before serving, and leave the packaging out for guests who want to check the information themselves.

  • Planning to buy a particular biscuit without checking in store

    Albert Heijn’s product page for AH Speculaas with dark chocolate says ‘Discontinued’. Don’t count on finding this particular variant for King’s Day without checking first.

    See what’s actually available to buy, or consider plain speculaas with a separate bar of dark chocolate instead.

  • Overlooking ‘may contain’ warnings

    Jumbo says that Bakkers Speculaas may contain almonds and nuts. For the Lindt bar mentioned, Albert Heijn lists the possible presence of nuts, milk, soya and sesame, among other allergens.

    Check the warnings on both current packs and keep the products separate when serving.

Brands to compare for this choice

Lotus Biscoff

Lotus Bakeries describes a Biscoff speculaas biscuit with dark chocolate for anyone who wants to serve a biscuit with a chocolate coating.

  • For this variant, Lotus Bakeries states that it contains 22% chocolate and comes in a pack of 7 × 3 biscuits.
  • The chocolate content doesn’t tell you the cocoa percentage. The ingredients listed for these biscuits include wheat, milk and soya; check the current packaging.

Albert Heijn

Albert Heijn has product pages for AH Speculaas with dark chocolate and for a separate Lindt Excellence bar with a stated cocoa percentage.

  • The product page for the Lindt Excellence 85% bar states that it contains at least 85% cocoa.
  • The page for AH Speculaas with dark chocolate says ‘Discontinued’. Always check the ingredients and allergens on the packaging of the product you buy.

Jumbo

Jumbo Bakkers Speculaas is a plain speculaas biscuit in a 600 g pack, which you can serve alongside chocolate.

  • Jumbo lists the net weight, ingredients, portion information and storage instructions on its product page.
  • These speculaas biscuits don’t contain chocolate. Jumbo lists gluten and wheat and warns that the product may contain almonds and nuts.

Joybuy products related to this topic

Related products coming soon.

Frequently asked questions

Does dark chocolate on speculaas automatically mean a high cocoa percentage?

No. ‘Dark’ on its own doesn’t tell you the cocoa percentage of the chocolate on the biscuit. Lotus Bakeries states that its Biscoff variant contains 22% chocolate; if a particular cocoa percentage matters to you, look for a statement that specifically refers to the chocolate.

What should I look for on the label of pre-packed speculaas?

At the very least, check the ingredients, allergen information and nutritional information, as well as the date and storage instructions on the packaging. The European Union requires pre-packed foods to provide allergen information and nutritional information; read the label on the product you’re actually serving.

Which allergens should I check for in this combination?

Check both the biscuits and the separate chocolate: Lotus Bakeries lists wheat, milk and soya for its Biscoff dark chocolate variant, while Jumbo lists gluten and wheat for Bakkers Speculaas and warns that it may contain almonds and nuts. The Lindt Excellence 85% bar described by Albert Heijn may contain nuts, milk, soya and sesame, among other allergens; the current packaging should guide your choice.

Can I plan to buy AH Speculaas with dark chocolate for King’s Day?

Only if you confirm that you can buy that specific biscuit. Albert Heijn’s product page says ‘Discontinued’, so choose an option that’s actually available for your shopping list, or keep plain speculaas and separate chocolate as an alternative.