Preheat oven to 350 °F and line an 8" cake tin with parchment paper.
In a mixing bowl adds flour, ground almonds and set aside.
In another bowl whisk together condensed milk and butter. Stir in vanilla, lemon zest and milk.
Add the dry ingredients into the wet in two or three batches and gently fold in to combine.
Transfer the batter into the prepared cake tin. Tap on counter to remove air bubbles.
Bake in preheated oven for about 35 to 40 minutes or until a skewer inserted into the centre comes out clean.
Remove the cake from oven and let it cool completely.
Make ganache
In a saucepan warm double cream for few minutes. Add the chocolate in the cream and stir until it melts completely. Let it cool.
Pour the chocolate onto the cooled cake in an even layer.
Colour the marzipan into green food colouring. Shape them into apples. Insert the clove from top side down to make the stalks.
Colour the marzipan into yellow and shape them into, pears. Insert spaghetti piece to make a stalk.
Colour the marzipan into orange and shape into oranges. Rub them on the back side of a grater to make texture. Insert cloves from top side up to make the stalk.
Colour the marzipan into red and roll to make red cherries.
Decorate the cake with marzipan fruits. Serve and enjoy.
Notes
Make the marzipan fruits and ganache a day before making the cake and store in the refrigerator.