Preheat the oven to 400℉.
In a medium bowl,combine the almond flour, baking powder, salt, and cinnamon. Stir these dry ingredients together until they are well mixed. Add in the maple syrup, egg, and melted coconut oil. Mix thoroughly until the ingredients form a smooth batter. Set this mixture aside for later use.
In a small bowl, add the solid part of the coconut cream, maple syrup, and xanthan gum. Mix well until the ingredients are fully combined.
In another small bowl, combine the gluten-free oats, almond flour, melted coconut oil, maple syrup, salt, and cinnamon. Mix until all the ingredients are evenly distributed.
Chop the apples and pears into small cubes. Sprinkle the chopped fruit with cinnamon and mix well to ensure they are evenly coated. Set aside.
Grease a bread tin with coconut oil and line it with parchment paper to prevent sticking.
Pour half of the bread layer mixture into the bottom of the tin, spreading it evenly. Add all of the creamy coconut layer on top of the bread layer. Next, layer about a third of the apple and pear mixture over the creamy coconut layer. Pour the remaining bread layer mixture over the fruit. Finally, top with the remaining fruit mixture and evenly spread the crumble layer on top.
Cover the bread tin with aluminum foil to prevent the oats from burning. Bake in the preheated oven for 45 minutes. Remove the foil during the last 10-15 minutes of baking to allow the top to become golden and crispy. Let it cool & enjoy!