Pre heat the oven to 400F / 200c.
Peel the potatoes and slice them finely into rounds. Set aside.
Heat the oil in a pot over a medium high heat. Once hot, add the diced onion with a pinch of salt and pepper.
Cook for 5 minutes til softened. Add in the minced garlic and cook for an additional minute.
Add the butter and cream to the pot and heat til the butter is melted, stirring occasionally.
Once melted, take off of the heat and stir in the shredded cheddar and nutmeg. Stir til the cheese has melted and leave to one side.
Layer half of the potatoes in the ramekins and ladle the cheese sauce over the top til just covered.
Place the rest of the sliced potatoes on top and pour over the rest of the sauce, spooning any melted cheese in the pot over the top.
Cover the ramekins tightly with foil and bake in the oven, on a baking sheet, for an hour until the potatoes are tender. Check them with a fork to make sure they are cooked through.
Once the potatoes are cooked, take the ramekins out of the oven and sprinkle a tablespoon each of panko breadcrumbs and parmesan over the top of each one.
Place under the broiler for two to three minutes til browned and crispy.