Heat the coconut oil in a large frying pan. Add the onion and sauté until soft. Add the garlic and sauté briefly.
Add the broccoli, carrots, milk and stock. Bring to the boil and cook until the broccoli is tender. About 20-25 minutes.
Take the pan of the heat and add the grated cheddar in stages. Let it melt into the soup before adding the next part. Add mustard and season the soup with salt and pepper.
Make the croutons by cutting or tearing the baguette into smaller pieces. Sprinkle the olive oil over the bread and add the grated cheese. Shake it around so all pieces are covered with some oil. Bake them in a skillet until golden brown.
Serve the soup with the croutons and the cress on top.