Chicory gratin with ham and cheese sauce

Ingredients

• 2 tbsp butter
• 1 tbsp flour
• 500 ml milk
• Salt
• Pepper, freshly ground
• 1 pinch nutmeg, freshly grated
• 175 g grated cheese, mixed, e.g. Cheddar, Pecorino, Gouda
• 4 chicories
• 200 g cooked ham, thinly sliced
• 3 tbsp almonds, ground