Preheat oven to 425 degrees. Coat an 8-inch square baking dish with nonstick cooking spray. In a large skillet, brown ground beef with onion powder, garlic powder, and black pepper over high heat; drain. Add ketchup and cheese; mix well. Pour into baking dish. Place biscuits on top of the beef mixture and bake 8 to 10 minutes, or until the biscuits are golden and cooked through.