Preheat the oven to 400°F (200°C) and line a baking pan with baking paper.
Place the mozzarella and cream cheese in a double boiler (make your own double boiler by placing a smaller saucepan in a large saucepan filled with water and bring to a gentle simmer) and stir to heat through and melt together into a creamy mixture.
Alternatively, microwave on high for 20 seconds, mix well and microwave for 20-30 seconds again to melt and fully combined.
Remove the mixture from the heat and add the egg, baking powder, soda and almond flour kneading with your hands to turn into a dough.
Divide into six pieces and roll into strings. Shape into circles and gently place on the prepared baking pan, leaving enough room between each bagel to expand.
If you are using toppings, brush the surface of each bagel with a drop of water and add the toppings of your choice, pressing lightly with your fingers to stick well to the dough.
Bake for 13-15 minutes until golden brown and serve hot or store in an airtight container after they have completely cooled down.