Make the enchilada sauce. Heat the oil over a medium heat. Add the flour and whisk for a minute. Add the chilli powder, cayenne, garlic, salt, cumin and oregano then slowly pour in the stock whisking constantly. Simmer for 10 minutes until thickened.
Heat the oven to 200°C/400°F. Heat the olive oil over a medium heat and add the onion and peppers cook for 10 minutes until softened then add the garlic and chillies and cook for another couple of minutes. Add the cumin and quinoa and 500ml of water and cook for 20 minutes.
Add 200ml enchilada sauce, the beans and a handful of cheddar. Roll a few scoops of quinoa into a tortilla and place in a large baking dish, repeat until you've used all the ingredients. Pour over the rest of the enchilada sauce, sprinkle with the rest of the cheddar and bake for 20 minutes.
Nutrition information is an estimate and will vary depending on the exact ingredients used.