Add all ingredients (besides the topping…) in a bowl and mix it through until you get a smooth dough. If it is too solid, just add a bit of milk.
While the dough still soaks, peel and slice the apples.
Heat up a pan, add some fat (margarine or oil) to it and pour the dough inside (maybe a bit less than 1cm).
Then cover the upper part with the sliced apples.
Once the bottom is gold-brown, turn the pancake. The easiest is to take it out on a plate, add another plate on top of it, turn it and slide it back into the pan.
When the other side is also gold-brown, turn it again and give a bit of sugar on top of it.