Preheat the oven to 350°.
Place apples and berries in a bowl and mix with the sugar. Fill the ramekins halfway with the sweetened fruit.
Using a food processor or a bowl and pastry cutter, add all the remaining ingredients, except the chocolate.
Once combined, add the chocolate to the crumble mix and place on top of the fruit.
Place a small pat of butter on top of each crumble and bake for 30 minutes until fruit bubbles.
Serve alone or with whipped cream or ice cream.