Cook lentils in some water until soft and water is absorbed. Mash with a fork and beat until smooth.
Heat oil in frying pan and fry onion, garlic, tomatoes, carrot, sweet peppers, apples, chive and thyme until soft. Add mixture to lentil together with salt, pepper and bread crumbs.
Bind together with egg. (If you wish you can add about ¼ cup of cheese to the mixure). Adjust salt to taste.
Press the final mixture in a greased loaf tin. Sprinkle the remainder of the grated cheese on the top.
Bake at 375°F for about 30 minutes or until golden brown.