Combine bread cubes and crushed garlic in a large zip-top plastic bag. Seal bag, and shake to coat bread cubes. Arrange bread cubes in a single layer on a baking sheet.
Bake at 350 for 15 minutes or until toasted.
Sort and wash beans, and place in a large Dutch oven. Cover beans with water to 2 inches above beans. Bring beans to a boil, and cook 2 minutes.
Remove beans from heat; cover and let stand 1 hour.
Drain.
Add bay leaf and 2 cups water to beans in pan, and bring to a boil. Cover, reduce heat, and simmer 1 hour. Discard bay leaf.
Add curly endive; cover and cook 10 minutes, stirring occasionally. Stir in tomato, basil, minced garlic, salt, and pepper, and cook, uncovered, 5 minutes. Spoon bean mixture into a medium bowl.
Drizzle with oil, and top with croutons.
Note: Substitute 2 1/2 cups drained canned beans, such as navy, cannellini, or other white beans, for dry beans. Do not soak canned beans.