Stir the yoghurt and honey together in a small bowl. Top and tail the oranges. Stand them up on a cutting board and cut off the peel and the white pith right down to the orange. Work over a bowl to catch the juices and cut the orange segments free, letting them drop right into the bowl. Squeeze the juice from what’s left of the oranges into the bowl.
Wash the apple, cut it into quarters and cut out the core and seeds. Cut the apples into chunks and add them to the bowl. Peel and slice the bananas and toss them with the other fruit. Spoon the fruit into four bowls and spoon some of the yoghurt over each. Sprinkle the poppy seeds and almonds over the yoghurt.
Sprinkle over a small handful of your favorite seeds or lightly toasted nuts.