If you have overripe banana (meaning patchy or even full black) you can do this:
Peel and put it into a bowl. Add sugar and caocao. Crush it with fork and mix. Add bit of milk.
From here if you have sponge cake, then put chunks into the bowl and roll the thing over until it's covered with the sauce. Add whipped cream on top.
Right now I just added corn flakes instead of the sponge cake. And I have no whipped cream either, so just poured some more milk, just enough to cover the thing.
Tasty, slightly alcoholic treat.