In a large bowl, beat the heavy cream and powdered sugar until stiff peaks form. Set aside.
In another bowl, beat cream cheese, vanilla, and Biscoff spread until smooth.
Gently fold the whipped cream mixture into the Biscoff cream cheese mixture until well combined.
Dip Biscoff cookies one by one into milk and layer them in a dish.
Spread half of the Biscoff cream mixture on top. Repeat the cookie and cream layers.
Top with crushed Biscoff cookies and a drizzle of melted Biscoff spread if desired.
Refrigerate for at least 6 hours, ideally overnight, before serving.