I should actually call them 'downlights' and not 'spotlights' to be correct. It's an apartment which we own.Making holes in the ceiling might also create noise transmission problems.
Stephen, what type of lights have you installed? Is the flat rented, or do you own it? If the latter, is there a lease with Ts'n'Cs about what you may do etc?
However most of the replies to my question do not focus on how to conceal the connector / terminal blocks or even suggest an alternative on how a professional would have done this. It was this question that I was really hoping to get advice on