Preheat the oven to 180°C. In a large bowl, mix flour, baking powder and pepper.
Add eggs, milk, oil and mix well. (You can also replace milk with white wine)
Slice the olives, and cut the ham in small pieces. Chop or grate the cheese : here I used goat's cheese, but usually it is made with Gruyère or Emmental. Incorporate to the batter.
Pour the batter into a loaf pan. Bake for approx. 40min at 180°C. (Or until a knife inserted into the center of the cake comes out clean.)
Serve warm or at room temperature as an aperitif or a starter, with a salad. Great also for picnics and lunches on-the-go.