Finance security reports

R

R|R Law and Finance

rrpartners.lv

64

R|R Law and Finance is a specialized legal and financial consulting firm based in Latvia, offering expert services in AML compliance, sanctions requirements, investment attraction, insurance case consulting, licensing, business purchase and sale, and internal business process optimization. The company targets businesses and individuals seeking professional advisory services in these domains, positioning itself as a trusted partner with a focus on practical, experience-based solutions. The website is professionally designed, multilingual, and provides clear contact channels including phone, email, and social media profiles, enhancing accessibility and client engagement. Technically, the website is built using the Astro framework and hosted on Hostinger, leveraging modern web technologies and Google Fonts for a polished appearance. The site demonstrates good mobile optimization and SEO practices, though accessibility features could be further enhanced. Security posture is solid with HTTPS enforced and secure forms, but lacks some recommended security headers and explicit security policies. No WHOIS data was available due to query limits, limiting domain legitimacy verification. Overall, the security posture is good with no evident vulnerabilities or exposed sensitive data. Privacy compliance is addressed with a privacy policy and cookie consent mechanism, reflecting GDPR awareness. The absence of terms of service and vulnerability disclosure policies suggests areas for improvement. The business credibility is supported by professional content, clear contact information, and trust signals such as LinkedIn profiles. The website is safe for general audiences with no adult or questionable content detected.

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Mana Grāmatvede - Tava Uzņēmuma burvju nūjiņa

managramatvede.lv

55

Mana Grāmatvede is a Latvian-based accounting service provider offering professional and customized outsourced accounting solutions to small and medium-sized enterprises. The website presents a clear business focus on full-cycle accounting, payroll calculations, and tax consulting services, targeting Latvian businesses seeking reliable financial management support. The company positions itself as a trusted partner enabling clients to focus on growth and development. Technically, the website is built on WordPress with modern plugins such as Rank Math SEO and CookieYes for cookie consent management, hosted on Closte infrastructure. The site is mobile-optimized and provides a good user experience with clear navigation and professional design. Security posture is adequate with HTTPS enforced and cookie consent implemented, but lacks some security headers and explicit privacy and terms of service pages. WHOIS data is unavailable due to query limits, limiting domain trust verification. Overall, the website is professional and trustworthy with room for improvement in privacy compliance and security best practices.

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TigSiPay SIA

tigsipay.com

66

TigSiPay SIA is a Latvian technology company specializing in digital and mobile financial services, including payment infrastructure, loyalty programs, and fintech solutions. The company operates as a licensed electronic money institution regulated by Latvijas Banka, offering services to both businesses and private individuals. Their key offerings include a mobile wallet, payment terminals, a marketplace platform, and bill payment services. The website reflects a professional and modern fintech business with clear market positioning in Latvia. Technically, the site is built on Next.js and Material-UI frameworks, ensuring fast performance and excellent mobile optimization. Security posture is solid with HTTPS and cookie consent mechanisms, though some security headers could be enhanced. Privacy compliance is well addressed with comprehensive policies and consent management. Overall, the site and business demonstrate high credibility and trustworthiness.

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Merchanto

merchanto.org

58

Merchanto is a specialized technology company focused on providing an advanced platform for chargeback deflection and fraud prevention, primarily targeting ecommerce merchants using VISA and MasterCard payment cards. The company leverages AI and machine learning to enable real-time collaboration between merchants and issuers, aiming to eliminate chargebacks and improve acceptance rates. Founded in 2021 and based in Latvia, Merchanto positions itself as a leading solution in the digital payments fraud prevention space with direct partnerships with major card networks. The website reflects a professional and consistent brand image with clear business messaging and contact information. Technically, the site is built on modern frameworks such as Next.js and React, hosted on AWS infrastructure, and integrates analytics and user behavior tracking tools like Google Tag Manager and Hotjar. Security posture is adequate with HTTPS enabled and domain transfer protection, but lacks DNSSEC and security headers, which are recommended for improvement. Privacy compliance is partial, with a privacy policy present but no cookie consent mechanism. Overall, the website is well-designed, user-friendly, and trustworthy, though there is room for enhancement in security and privacy practices.

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Euronet 360 Finance Limited

euronetatms.lv

59

Euronet 360 Finance Limited operates the website euronetatms.lv, providing ATM and electronic payment processing services primarily in Latvia and other international markets. The company offers ATM installation, management, and outsourcing services targeting consumers, businesses, banks, and municipalities. The website is professionally designed, multilingual, and optimized for SEO and mobile devices, reflecting a mature digital presence. Technically, it is built on WordPress with modern libraries and plugins, including security measures like HTTPS and hCaptcha for bot protection. Security posture is solid but could be improved with additional HTTP security headers and explicit incident response information. Privacy compliance is well addressed with clear cookie and privacy policies and GDPR consent mechanisms. Overall, the site presents a trustworthy and professional image consistent with a medium-sized finance sector business.

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Theodore Daniels Solutions & Strategies

theodoredaniels.com

60

Theodore Daniels Solutions & Strategies is a boutique consulting and investment management firm specializing in legal and business advisory services for foreign investors targeting the Baltic region, particularly Latvia. The company positions itself as a trusted partner offering personalized, strategic support to help clients navigate the complexities of the local market. The website reflects a professional business focus with clear messaging and a niche market orientation. Technically, the website is built on the Webador CMS platform and uses modern web technologies including JavaScript, Google Analytics, and Plausible Analytics for visitor tracking. The site is moderately optimized for mobile devices and demonstrates good SEO practices with proper meta tags and structured data. Hosting and platform services are provided by Webador, indicating a managed hosting environment. From a security perspective, the website uses HTTPS and includes a cookie consent banner with an opt-in mechanism, showing some attention to privacy compliance. However, no privacy policy or terms of service pages are present, and no explicit security headers were detected. The absence of WHOIS registration data raises concerns about domain legitimacy and ownership transparency, which impacts trustworthiness. Overall, the website presents a credible business front with room for improvement in privacy compliance, contact transparency, and domain registration clarity. Strategic recommendations include publishing comprehensive privacy and terms policies, adding clear contact information, enhancing security headers, and verifying domain registration status to improve trust and compliance.

A

audit&tax

audit.lv

57

audit&tax is a professional services firm specializing in auditing, tax consulting, and outsourced CFO services, targeting businesses seeking expert financial advisory in Latvia. The website presents a professional image with clear descriptions of services and a focus on trust and expertise. Technically, the site is built on WordPress using the Astra theme and Elementor page builder, integrating modern analytics and cookie consent tools, indicating a mature digital infrastructure. Security posture is strong with HTTPS, security headers, and reCAPTCHA, though some compliance aspects like privacy policy and incident response contacts are missing. Overall, the site is trustworthy and well-constructed but could improve transparency and compliance documentation to enhance user trust and regulatory adherence.

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SIA "Schaefer"

soscredit.lv

53

Soscredit.lv operates as an online financial intermediary platform based in Latvia, providing fast credit line services up to €25,000 without collateral or guarantor requirements. The platform targets Latvian residents needing urgent financial assistance, offering flexible repayment terms and quick approval processes, typically within 15 minutes. The website is well-structured, professionally designed, and mobile-optimized, supporting a positive user experience. Technically, it leverages modern JavaScript frameworks and integrates marketing and analytics tools such as Google Tag Manager, Facebook Pixel, and WonderPush for push notifications. Security practices include HTTPS enforcement and CSRF protection, although some security headers could be improved. Privacy and cookie policies are clearly presented with consent mechanisms, aligning with GDPR requirements. The absence of WHOIS data limits domain trust verification, but the website content and business information appear consistent and legitimate. Overall, Soscredit.lv demonstrates a mature digital presence with a solid security posture and compliance awareness, suitable for its financial services business.

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SIA Euroaudit

euroaudit.lv

53

SIA Euroaudit is a Latvian accounting and financial services company with over 20 years of market presence. The company offers a broad range of services including accounting, company formation, legal consulting, audits, and representation in government institutions. Their client base spans approximately 300 clients across 25 industries, including clients from the EU and CIS countries. The website is professionally designed, multilingual, and provides clear contact information and service descriptions, positioning Euroaudit as a trusted medium-sized service provider in the finance sector. Technically, the website employs modern web technologies such as Bootstrap for responsive design and integrates Google Analytics and Google Tag Manager for user tracking and analytics. The site is mobile-optimized and features a clear navigation structure. However, there is a lack of visible security headers and no explicit privacy or cookie policies, which are important for compliance and security posture. From a security perspective, the website uses HTTPS and includes CSRF protection on its contact form, but lacks published security policies or incident response information. No vulnerabilities or exposed sensitive data were detected in the provided content. The absence of privacy and cookie policies and consent mechanisms represents a compliance gap, especially under GDPR regulations. Overall, the website is trustworthy and professional with solid business credibility but would benefit from enhanced privacy compliance and security best practices to improve its risk profile and user trust.

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NetSecure Refund

nsrefund.com

41

NetSecure Refund is a newly established specialized service provider focused on recovering funds lost to online fraud, including cryptocurrency scams, forex fraud, and bogus earnings schemes. The company leverages technical expertise and investigative methods rather than traditional legal approaches to asset recovery. The website is professionally designed using WordPress and Elementor, hosted by Beget LLC, and optimized for mobile devices with good user experience and clear navigation. Security posture is moderate with HTTPS enabled but lacks DNSSEC and security headers. Privacy and cookie policies are absent, indicating compliance gaps. Overall, the domain registration data aligns with the business claims, supporting legitimacy. Strategic improvements in privacy compliance and security practices are recommended to enhance trust and regulatory adherence.

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SIA ABrevīzija

abrevizija.lv

6

SIA ABrevīzija is a Latvian small auditing and accounting firm providing annual report audits and related services, licensed by the Latvian Association of Sworn Auditors (LZRA). The website content is minimal but clearly communicates the business focus and contact information. The technical infrastructure appears basic with no detected CMS or advanced frameworks, and the site lacks mobile optimization and accessibility features. Security posture is weak due to absence of HTTPS and security headers, and no privacy or cookie policies are present, indicating compliance gaps. Overall, the site is functional but requires significant improvements in security and privacy to meet modern standards.

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WhiteFlo

whiteflo.com

56

WhiteFlo is a specialized software provider offering on-premises white label solutions for crypto banking and payment gateway services. The company targets crypto payment service providers and businesses requiring customizable crypto processing software with full source code access. The website reflects a professional and consistent brand image, supported by detailed product descriptions and executive profiles. Technically, the site leverages modern web technologies including Webflow CMS, GSAP animations, and Google Tag Manager, ensuring a good user experience and moderate performance. Security measures include HTTPS enforcement and CAPTCHA-protected forms, though explicit security headers and privacy policies are absent, indicating room for improvement. The absence of WHOIS data raises concerns about domain registration legitimacy, warranting further investigation. Overall, the site presents a credible business front with some compliance and transparency gaps.

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Firstbroker

firstbroker.lv

10

Firstbroker.lv is a Latvian-based company specializing in trade credit insurance and risk management services. The company offers a broad range of services including trade credit insurance, debt collection, credit reports, additional risk insurance, potential client databases, company monitoring, and factoring. With over 12 years of experience and partnerships with international insurers, Firstbroker positions itself as a trusted provider for businesses of all sizes, primarily in Latvia and several other countries. The website is professionally designed using WordPress and Elementor, featuring multilingual support and integration with Google Tag Manager for analytics. Security posture is adequate with HTTPS enabled, but lacks some security headers and cookie consent mechanisms. The WHOIS data could not be retrieved due to query limits, limiting domain legitimacy verification. Overall, the site presents a credible and professional business presence with clear contact information and trust indicators such as industry memberships and partner logos.

V

VAIRO

vairo.lv

45

VAIRO is a Latvian licensed investment management company specializing in adaptive pension 2nd level plans, established in 2023. The company targets Latvian pension savers seeking optimized pension fund management with a local and independent team of entrepreneurs and financial experts. The website presents a professional and consistent brand image, providing clear information about their services, team, and contact details. Technically, the site is built on WordPress with modern JavaScript libraries, includes tracking and marketing tools such as Google Tag Manager and Adform, and implements cookie consent mechanisms. Security posture is good with HTTPS and secure forms, though some security headers and policies could be improved. WHOIS data is unavailable due to query limits, which slightly reduces trust but the website content and business information appear legitimate and transparent.

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SIA Smartex Media

smartexmedia.eu

64

Smartex Media is a Latvian company specializing in financial services including payment systems, outsourcing, and outstaffing for payment enterprises. The company leverages extensive experience in the Latvian financial market and offers the Paymart Suite payment system software along with consulting and support for launching financial institutions such as Electronic Money Issuers and Payment Service Providers. The website presents a professional image with clear business focus and contact information, targeting financial companies and startups in Latvia. Technically, the website is built on Joomla! CMS with common web technologies such as jQuery, Bootstrap, and Google Analytics. The site is mobile responsive and moderately performant but uses outdated JavaScript libraries that may pose security risks. SEO and accessibility are basic but adequate for the business purpose. From a security perspective, the site uses HTTPS and references PCI DSS LEVEL 1 certification, indicating a strong security posture in business operations. However, the website lacks visible security headers and cookie consent mechanisms, which are important for GDPR compliance and modern web security. No incident response or security policy pages are published, representing an area for improvement. Overall, the website is trustworthy and professional with a solid business foundation but would benefit from technical and compliance enhancements to improve security posture and privacy compliance.

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Konsultatīvā sabiedrība "Concentus"

conventus.lv

57

Conventus is a Latvian-based company specializing in debt collection, asset recovery, and legal services related to problematic assets. The company offers a range of services including full debt recovery, litigation, movable property recovery, auctions, and management of problematic assets. The website is professionally designed using WordPress and the Divi theme, supporting multiple languages (Latvian, English, Russian) to cater to a diverse audience. The business targets creditors and companies seeking efficient recovery and management of encumbered assets. Technically, the website employs modern web technologies and integrates Google Tag Manager for analytics, indicating a moderate level of digital maturity. However, the absence of visible privacy and cookie policies and lack of security headers suggest room for improvement in compliance and security posture. The WHOIS data could not be retrieved due to query limits, limiting the ability to fully verify domain legitimacy. Overall, the website presents a credible business front but would benefit from enhanced security and privacy practices.

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Merito Partners

meritopartners.com

59

Merito Partners is a private investment company founded in 2022, operating primarily in Latvia and the New Nordic markets. The company focuses on investing in growth companies across sectors such as finance, real estate, manufacturing, retail, and technology. Their business model centers on fund management, corporate governance advisory, and fundraising support, targeting entrepreneurs and investors seeking growth opportunities. The website reflects a growing firm with a professional online presence and clear communication of services and values. Technically, the site is built on WordPress with modern JavaScript libraries and analytics tools, offering moderate performance and good mobile optimization. Security posture is solid with HTTPS enforced and domain transfer protections, though improvements are possible by enabling DNSSEC and adding security headers. Privacy compliance is partial, with a comprehensive privacy policy present but lacking a cookie consent mechanism. Overall, the site is trustworthy and professional, with room for enhanced security and compliance measures.

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Coindefix

coindefix.com

65

Coindefix is a cryptocurrency-focused news and educational platform offering insights, market analysis, and trading strategies primarily targeting crypto traders and enthusiasts. The website features a modern technical infrastructure built on Next.js and React, with integration of Google Adsense for monetization and a referral program with Binance. Security posture is strong with HTTPS and multiple security headers implemented, though privacy compliance could be enhanced by adding cookie consent mechanisms and explicit GDPR statements. The absence of WHOIS registration data for the domain introduces some uncertainty regarding domain legitimacy, but the professional content and active social media presence support a moderate trust level. Strategic recommendations include improving privacy compliance, publishing vulnerability disclosure information, and enhancing contact transparency to strengthen business credibility and user trust.

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SIA One Baltics

1b.lv

52

SIA One Baltics is a Latvian consulting firm specializing in securing financial support for public and private companies, focusing on EU Structural Funds, state aid, and investor financing. The company offers project management, strategic consulting, and financial planning services, targeting businesses seeking comprehensive support in project execution and funding acquisition. The website presents a professional image with a detailed portfolio of clients, indicating a solid market presence in Latvia's finance and consulting sector. Technically, the site uses modern frameworks like Astro and jQuery, with good mobile optimization and a moderate performance profile. Security posture is adequate with HTTPS usage, but lacks explicit security headers and privacy policies, which are recommended for compliance and trust. Overall, the site is safe, professional, and trustworthy, though improvements in privacy compliance and security best practices would enhance its standing.

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SIA JEFF

jeff-app.com

56

Jeff is a fintech company operating digital marketplaces that connect underbanked populations in emerging markets with financial products. The company offers services such as lead generation, data APIs, rejected client exchanges, and embedded partnerships to banks, lenders, telcos, insurance companies, eCommerce, and mobility sectors. With over 10 million users and presence in six countries, Jeff positions itself as a trusted partner in financial inclusion. The website is professionally designed, mobile-optimized, and uses modern web technologies including Webflow and Google Tag Manager. However, the absence of visible privacy and cookie policies and missing WHOIS data slightly reduce trust and compliance confidence. Security posture is good with HTTPS enforced but could be improved by adding security headers and incident response contacts. Overall, Jeff demonstrates a solid business model and technical maturity with room for enhanced privacy compliance and transparency.

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Eurex

eurex.lv

40

Eurex is a small regional financial services company specializing in currency exchange and money transfer services primarily in Latvia and Estonia. The website presents a clear business focus on retail currency exchange, banknote and coin exchange, and fast money transfers via MoneyGram. The company maintains physical branch offices with contact details and operating hours clearly listed, supporting its legitimacy and customer accessibility. Technically, the website is built on WordPress with common JavaScript libraries and Google Analytics for visitor tracking. While the site is functional and professionally designed, it lacks advanced mobile optimization and accessibility features. Security posture is moderate with HTTPS enabled but missing important security headers and modern security practices. Privacy compliance is weak due to absence of explicit privacy and cookie policies. Overall, the website is trustworthy for its business purpose but would benefit from improved security and privacy measures.

3

3ENITH

technobridge.eu

65

3ENITH is a specialized online payment processing company offering services and consulting expertise primarily for e-commerce acquirers. The company emphasizes cost efficiency, fast project management for Visa/Mastercard integrations, and a rich set of payment functionalities including tokenization and recurring payments. Their business model focuses on transaction-based fees and personalized consulting, targeting financial institutions and payment processors. The website demonstrates a moderate level of digital maturity, leveraging WordPress CMS, modern JavaScript libraries, and integrated analytics and consent management tools. Security posture is generally good with HTTPS enforced and cookie consent mechanisms in place, though some security headers could be improved. The absence of WHOIS registration data raises concerns about domain legitimacy, but the professional presentation and GDPR compliance mitigate some risk. Overall, the site is functional, professional, and compliant with privacy regulations, but further verification of domain registration is recommended.

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Capitalia

capitalia.lv

58

Capitalia is a financial services company specializing in providing accessible loans, investments, and advisory services to small and medium enterprises in the Baltic Sea region. Established in 2007, it has financed over 5000 businesses with investments exceeding EUR 100 million. The company positions itself as a leading financer in its market, offering flexible financing solutions as an alternative or addition to traditional bank loans. The website reflects a professional and consistent brand image with clear service offerings and client testimonials. Technically, the website employs a modern technology stack including jQuery, Google Tag Manager, Google Analytics, and CookieHub for cookie consent management. The site is mobile-optimized and demonstrates good SEO practices. Performance is moderate, with room for improvement in accessibility features. Security best practices such as HTTPS enforcement and CSRF protection are observed, though security headers and explicit security policies are absent. From a security perspective, the site shows a solid baseline with encrypted communications and cookie consent mechanisms. However, the lack of WHOIS data and absence of a published security policy or incident response contact reduce overall trust. No critical vulnerabilities or exposed sensitive data were detected. Privacy compliance is well addressed with GDPR-aligned cookie management and a comprehensive privacy policy. Overall, the website is trustworthy and professional but would benefit from improved transparency in domain registration and enhanced security disclosures. Strategic recommendations include publishing a security policy, implementing security headers, and verifying domain registration details to strengthen legitimacy and user trust.

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SIA "Olivea Accounting"

olivea.lv

47

Olivea Accounting is a small Latvian accounting service provider offering professional accounting services to businesses and individuals. The website invites potential clients to fill out an online form to receive offers and become clients, indicating a client acquisition business model focused on service provision. The company presents itself clearly with contact details and legal company name, targeting local Latvian market participants. Technically, the website is built on the Tilda CMS platform, leveraging Tilda's CDN and JavaScript libraries. The site is moderately optimized for performance and mobile devices, with basic SEO and accessibility features. The design is professional and consistent, providing a good user experience. From a security perspective, the site uses HTTPS but lacks visible security headers and cookie consent mechanisms, which are important for GDPR compliance and security hardening. No explicit security policies or incident response contacts are published. WHOIS data could not be retrieved due to query limits, limiting domain trust verification. Overall, the website is safe, professional, and functional with moderate risk due to limited security controls and missing WHOIS transparency. Strategic improvements in security headers, privacy compliance, and incident response disclosures are recommended to enhance trust and compliance.

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Grāmatvedības Pakalpojumi Jūsu Biznesam

topazos.lv

54

Topazos.lv is a Latvian small business focused on providing accounting and financial stability services to local businesses. The website is professionally designed using WordPress with SEO optimization via Yoast plugin and integrates Google Tag Manager for analytics. The business targets small and medium enterprises seeking trustworthy accounting support. The site content is in Latvian and includes social media presence on Facebook and LinkedIn, enhancing credibility. However, the absence of privacy and cookie policies indicates compliance gaps with GDPR and related regulations. Security posture is moderate with HTTPS enabled but lacking security headers and incident response information. WHOIS data is unavailable due to query limits, limiting domain trust verification. Overall, the site is functional and professional but requires improvements in privacy compliance and security best practices.

K

Kredītu apvienošana

kredituapvienosanalv.lv

44

Kredītuapvienosanalv.lv is a Latvian website focused on providing loan consolidation offers by aggregating and referring users to various credit providers. The site targets individuals with existing credit obligations seeking to reduce their monthly payments and improve financial management. It operates primarily as an affiliate platform, connecting users to partner loan providers such as Moneza, SE Finance, Latkredits, and Risini.lv. The website is built on WordPress, utilizing popular SEO and performance plugins like Yoast SEO and WP Rocket, and integrates Google Analytics for user tracking. Cookie consent mechanisms are implemented to comply with GDPR requirements, although no explicit privacy policy or terms of service pages were detected on the homepage. Security posture is moderate with HTTPS enabled but lacks explicit security headers and vulnerability disclosure mechanisms. WHOIS data could not be retrieved due to query limits, limiting domain registration verification. Overall, the site presents a professional and user-friendly interface with good content relevance and navigation, suitable for its target audience in Latvia.

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Finchecker

finchecker.eu

61

Finchecker is a Latvia-based company specializing in AML and KYC compliance solutions tailored for financial institutions and related sectors. Their offerings include AML screening, identity verification, transaction monitoring, and ongoing compliance monitoring, delivered via web and API platforms. The company positions itself as a flexible, all-in-one compliance provider with strong integration support and competitive pricing. The website is professionally designed, mobile-optimized, and provides clear navigation and relevant content for its target audience. Technically, the site uses modern JavaScript libraries and analytics tools, with HTTPS enforced and no visible security vulnerabilities. However, it lacks visible cookie consent mechanisms and published security policies, which are areas for improvement. Overall, the domain registration and website content are consistent and legitimate, supporting a high trust level.

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Tavex Lithuania

tavex.lt

56

Tavex Lithuania operates as an e-commerce platform specializing in the sale of investment-grade precious metals, primarily gold and silver bars and coins. Positioned as an official representative of manufacturers in the Baltic region, the company targets investors and individuals seeking LBMA-certified bullion products. The website offers detailed product information, price charts, and customer account management features under the Tavex ID system, reflecting a mature digital presence. Technically, the site is built on WordPress with modern SEO and analytics tools, hosted on AWS infrastructure, and demonstrates good mobile optimization and performance. Security measures include HTTPS enforcement, comprehensive security headers, and cookie consent mechanisms, although formal security policies and incident response contacts are not publicly available. Overall, the site is professional, trustworthy, and compliant with GDPR requirements, though WHOIS data anomalies suggest a need for verification of domain registration details.

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FINEZA - grāmatvedības pakalpojumi un konsultācijas

fineza.lv

45

FINEZA is a Latvian-based professional accounting and business consulting service provider targeting companies and self-employed individuals. Their website presents a clear and professional offering of accounting services including bookkeeping, financial audits, company formation, and registration changes. The business positions itself as a trusted partner helping clients achieve their goals by managing their accounting needs efficiently. Technically, the website is built on WordPress using the Astra theme and Elementor page builder, with modern web technologies and SEO optimizations in place. Security posture is solid with HTTPS enforced and reCAPTCHA implemented, though some security headers and explicit privacy policies are missing. Overall, the site is well-structured, mobile-optimized, and user-friendly, reflecting a credible small business. However, the lack of WHOIS data limits domain trust analysis. No suspicious or malicious indicators were found.

C

CrefoCert

crefocert.lv

56

CrefoCert.lv operates as a certification service specializing in creditworthiness and financial stability certification for companies primarily in Latvia and Europe. The website presents a professional business offering with over 840 companies certified, positioning itself as a trusted mark of financial reliability. The services include credit scoring (CrefoScore), certification issuance, and publicity through online seals and social media. The target audience is businesses seeking to enhance their market reputation and competitive positioning through recognized certification. Technically, the website uses legacy JavaScript libraries such as jQuery 1.6.2 and custom scripts, with basic cookie consent mechanisms implemented. However, there is no evidence of modern CMS or advanced frameworks, and performance and accessibility are moderate to basic. Security posture is average, with no visible HTTPS verification in the provided data, no advanced security headers, and outdated libraries posing potential risks. Privacy compliance is partial, with cookie policies present but no explicit privacy policy found. Contact information is clearly provided, enhancing business credibility. Overall, the site is safe, professional, and business-focused but would benefit from technical and security modernization.

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LEX & FINANCE SIA

lexfinance.lv

62

Lex & Finance SIA is a Latvian legal and accounting services firm providing comprehensive support to businesses and individuals, including company registration, visa and residence permits, licenses, insolvency processes, and real estate transactions. The company positions itself as a professional and trusted partner for international companies, SMEs, and private clients in Latvia. The website is well-designed, content-rich, and offers clear contact channels, including phone, email, and social media. Technical infrastructure is modern, leveraging Webflow CMS, Google Fonts, Google Tag Manager, and Facebook Pixel for analytics and marketing. Security posture is good with HTTPS and cookie consent mechanisms, though HTTP security headers and explicit security policies are absent. WHOIS data is unavailable due to query limits, limiting domain trust verification. Overall, the site demonstrates a professional and credible online presence with moderate risk due to incomplete WHOIS data.

C

CORAL FINANCE

coralfinance.lv

58

Coral Finance is a Latvian-based accounting service provider specializing in outsourced accounting and financial services for both legal entities and individuals within Latvia and the EU. The company offers a broad range of services including company registration, tax consulting, financial reporting according to IFRS standards, and representation before tax authorities. Their market position is that of a professional, small-sized service provider with a clear focus on quality and client support. The website reflects a professional digital presence with multilingual support and integration of modern web technologies such as service workers and analytics tools. Security posture is generally good with HTTPS enforced and no visible vulnerabilities, though improvements in security headers and privacy compliance mechanisms are recommended. Overall, Coral Finance presents a trustworthy and credible business profile with clear contact information and social media presence, though WHOIS data is unavailable for full domain legitimacy verification.

B

Baltic Business Advice

bbalv.lv

44

Baltic Business Advice is a small, growing Latvian company specializing in debt collection and legal services. Their website presents a professional image with clear descriptions of their key services including out-of-court debt collection, court-based debt recovery, debtor portfolio purchasing, and legal service provision. The company targets businesses and creditors requiring assistance in financial recovery and legal representation. Technically, the website is built on WordPress with common plugins for SEO and sliders, and enforces HTTPS via JavaScript redirect. However, it lacks advanced security headers and cookie consent mechanisms, which are important for GDPR compliance and security hardening. The absence of WHOIS data due to query limits restricts full trust verification, but the site content and structure suggest a legitimate business presence.

S

SIA PAUS KONSULTS

paus.lv

60

SIA PAUS KONSULTS is a licensed professional debt collection and legal services provider based in Latvia, with over 25 years of experience. The company offers a broad range of services including out-of-court debt recovery, legal representation, creditworthiness checks, and information monitoring. Their market position is well-established within the Latvian finance sector, targeting both individuals and businesses. The website reflects a professional and consistent brand image, providing clear contact and business information. Technically, the site uses modern web technologies such as jQuery, Google Analytics, and service workers for PWA capabilities, hosted on a reliable CDN infrastructure. Security posture is good with HTTPS enforced and use of captchas, though security headers and cookie consent mechanisms could be improved. The absence of WHOIS data limits full domain trust verification, but the website content and business details indicate legitimacy. Overall, the site is well-structured, user-friendly, and compliant with basic privacy and legal requirements.

Expansion Capital is a Latvian investment fund specializing in providing capital to local companies with a focus on export-oriented and high-growth potential businesses. The website presents clear information about their investment funds, historical investments, and current fund offerings. The business model revolves around equity and mezzanine financing, targeting startups and growth-stage companies. The partnership with Altum, a Latvian development finance institution, adds credibility to their market position. Technically, the website uses legacy jQuery and lacks modern security headers, indicating room for improvement in security and technical modernization. No privacy or cookie policies were found, which may impact compliance with GDPR regulations. Overall, the website is professional and informative but would benefit from enhanced security measures and privacy compliance to improve trust and reduce risk.

C

Crosshill Global Solutions LLC

indexmasterclass.com

66

IndexMasterclass is an online investment education platform targeting European investors, offering free webinars and a structured training program focused on ETF and index fund investing. Led by Tom Crosshill, a former Wall Street professional and co-founder of a Nasdaq-traded investment company, the platform positions itself as a trusted resource for locals, expats, and nomads across Europe. The website demonstrates a professional design with clear navigation, mobile optimization, and integration of reputable third-party services such as Mailchimp, Trustpilot, and Plausible Analytics. Privacy and cookie policies are comprehensive and GDPR compliant, reflecting a strong commitment to user data protection. However, the absence of WHOIS domain registration data and lack of explicit security headers or published security policies slightly reduce the overall trustworthiness. The platform does not exhibit any adult or questionable content, making it safe for general audiences.

Krājaizdevu sabiedrība operates as a Latvian credit union providing a range of financial services including various loan products and deposit accounts. The website highlights their 30-year history, indicating an established presence in the Latvian financial sector. Their target audience primarily consists of credit union members and Latvian consumers seeking credit and savings products. The business model focuses on member-based financial services with an emphasis on accessibility and financial education. Technically, the website is built on an older CMS (WebCMS v 2.5) and uses legacy JavaScript libraries such as jQuery 1.7.2, which may pose security risks. The site integrates common marketing and analytics tools including Google Tag Manager, Google Analytics, Facebook Pixel, and AddThis, indicating moderate digital maturity. Security posture is moderate but could be improved by updating libraries, implementing security headers, and publishing clear privacy and cookie policies. Overall, the website is functional and moderately professional but lacks comprehensive privacy and security disclosures, which impacts trust and compliance. Strategic improvements in security and privacy transparency are recommended to enhance user trust and regulatory compliance.

A

Astra Ra & Astra Plus

astrara.lv

58

Astra Ra & Astra Plus is a Latvian professional services firm specializing in accounting and auditing. The company presents itself as a small, specialized provider with experienced professionals including a certified sworn auditor. The website is built on the Wix platform, leveraging Wix Thunderbolt framework and standard web technologies. The site is accessible, uses HTTPS, and includes structured data to enhance search engine understanding. However, the absence of WHOIS data limits verification of domain legitimacy. Security posture is moderate with HTTPS enforced and some script hardening, but lacks explicit security headers and privacy compliance documentation. Overall, the business appears credible and professional, serving local Latvian clients with financial services.

K

KKS Vidzemes Kapitāls

vidzemeskapitals.lv

44

KKS Vidzemes Kapitāls is a Latvian cooperative credit society providing financial services such as deposits, loans, and membership benefits to local residents. The website presents a professional image with clear navigation and relevant content targeting Latvian speakers. The company emphasizes secure deposits as a member of the Latvian Deposit Guarantee Fund and offers responsible credit evaluation. Technically, the site uses legacy JavaScript libraries alongside modern tools like Google reCAPTCHA and Facebook customer chat, indicating moderate digital maturity. Security posture is adequate with HTTPS and CAPTCHA protections but is weakened by outdated libraries and lack of security headers. Privacy and cookie policies are present with consent mechanisms, supporting GDPR compliance. Overall, the site is trustworthy and functional but would benefit from technical and security updates.

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LENDISCORE

lendiscore.com

47

LENDISCORE is a small finance-focused company founded in 2020 that provides credit scoring and data science services to businesses, helping them better understand their customers and make informed financial decisions. The website is professionally designed using WordPress and offers detailed descriptions of their credit scoring solutions, risk models, and portfolio analysis services. The technical infrastructure is modern with HTTPS enabled and standard WordPress plugins, though some security best practices such as DNSSEC and security headers are missing. The security posture is moderate with no critical vulnerabilities detected but room for improvement in security policies and headers. Privacy compliance is weak due to the absence of privacy and cookie policies. Overall, the website is trustworthy and professional but would benefit from enhanced privacy disclosures and security hardening.

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MERCURY CREDIT OÜ

merc.lv

44

Mercury Credit is a small financial services company operating primarily in the Baltic region, offering secured loans against real estate and auto loans. The website is built on WordPress and uses common plugins such as Yoast SEO and Contact Form 7, indicating a standard CMS-based infrastructure. The company targets Russian, Estonian, and Latvian speaking customers, as reflected in the multilingual site structure and metadata. The business model focuses on niche secured lending services, positioning Mercury Credit as a regional lender with a modest online presence. Technically, the website employs a moderate technology stack with standard libraries like jQuery and jQuery UI, and includes SEO optimizations via Yoast. The site is HTTPS enabled but lacks advanced security headers, which suggests room for improvement in security hardening. Performance and mobile optimization are basic but functional. Cookie consent is implemented, but privacy and terms of service pages are not found, indicating incomplete compliance with privacy regulations. From a security perspective, the site shows no signs of WAF or blocking mechanisms and no visible vulnerabilities in the HTML content. However, the absence of security headers and privacy policies reduces the overall security posture. The WHOIS data could not be retrieved due to query limits, limiting the ability to verify domain registration legitimacy and age, which impacts trust assessment. Overall, Mercury Credit presents as a legitimate small financial lender with a basic but functional website. Key risks include incomplete privacy compliance and limited security hardening. Strategic improvements in security headers, privacy documentation, and contact transparency would enhance trust and compliance.

I

Insol

insol.lv

36

The website insol.lv represents a small Latvian financial and legal services provider specializing in insolvency, investment attraction, company registration, and crisis management. The business targets both legal entities and individuals seeking financial and legal advisory services. The site is built on WordPress using Elementor and premium addons but suffers from critical PHP errors that cause fatal crashes, severely impacting user experience and accessibility. The technical infrastructure is basic with no advanced hosting or security configurations detected. Security posture is weak due to missing security headers, lack of HTTPS confirmation, and exposed PHP errors. Privacy and cookie policies are absent, and no contact information is provided, which undermines trust and compliance. Overall, the site is accessible but broken, with minimal content and poor technical implementation.

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Latvijas Finanšu tehnoloģiju asociācija

lfta.lv

50

Latvijas Finanšu tehnoloģiju asociācija (LFTA) is a Latvian non-profit organization dedicated to representing and advancing the interests of the financial technology sector. It facilitates investment opportunities, promotes digitalization, and fosters collaboration among fintech companies, policymakers, and the public. The association targets both legal and natural persons involved in fintech, digital currencies, data, and e-commerce sectors. The website is professionally designed, mobile-optimized, and provides clear navigation and relevant content about the association's mission, founders, and membership application process. Technically, the website uses modern web standards including HTML5, CSS3, JavaScript, and Google Fonts. It employs SVG graphics for logos and icons and appears to be performant with good mobile responsiveness. However, no advanced frameworks or CMS are detected, and hosting details are not disclosed. Security headers and explicit SSL/TLS configuration details are not visible in the provided data, though HTTPS usage is implied. From a security perspective, the site shows basic good practices such as secure form inputs and no visible sensitive data exposure. However, it lacks explicit security policies, incident response contacts, vulnerability disclosure mechanisms, and cookie consent banners, which are important for GDPR compliance and user trust. The WHOIS data could not be retrieved due to query limits, limiting domain age and registrant verification. Despite this, the site presents consistent business information and valid contact details, supporting its legitimacy. Overall, the website is a credible and professional representation of a fintech association in Latvia, with room for improvement in security transparency and privacy compliance. Strategic recommendations include implementing security headers, publishing security and incident response policies, adding cookie consent mechanisms, and ensuring strong SSL/TLS configurations.

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Gemba Finance Ltd.

ge.mba

68

Gemba Finance Ltd. operates a fintech business banking platform specializing in Banking as a Service (BaaS) and white-label online banking solutions. Founded in 2019 and based in London, UK, the company targets businesses seeking integrated financial management, global payroll, escrow, and international payment services. Their market positioning emphasizes enabling companies to become fintech companies themselves through their platform offerings. Technically, the website is built on WordPress with modern SEO and analytics integrations, including Google Analytics and Cookiebot for GDPR-compliant cookie management. Hosting and domain registration are stable and consistent with the business profile. Security posture is solid with HTTPS enforced and cookie consent mechanisms in place, though improvements such as enabling DNSSEC and additional security headers are recommended. Overall, the website presents a professional and trustworthy front with clear contact information and social media presence, supporting business credibility and compliance.

S

SIA "Regulatīvās Tehnoloģijas"

atbilst.lv

43

SIA "Regulatīvās Tehnoloģijas" operates the website atbilst.lv, providing specialized consultancy services focused on anti-money laundering (NILLTPFN) and sanctions risk management. The company offers a comprehensive suite of services including client and partner risk assessments, transaction monitoring, internal control system implementation, and professional training. Their target audience primarily consists of regulated businesses in Latvia such as payment institutions, gambling organizers, accounting firms, and legal service providers. The company is staffed by certified professionals, including a CAMS-certified specialist with extensive experience in the financial and banking sectors. The website presents a professional image with clear service descriptions and accessible contact information.

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MS16 Group

ms16.eu

63

MS16 Group is a boutique investment firm specializing in sustainable investments in owner-operated companies. Founded in 2016 and based in Riga, Latvia, the company emphasizes long-term performance through integrating sustainability analysis into its investment process. The website reflects a professional and consistent brand image, targeting investors, business owners, and research students with offerings including investment capital, skills development, and research scholarships. Technically, the site is built on modern web technologies including Laravel Livewire and Swiper.js, hosted behind Cloudflare for performance and security. The security posture is strong with HTTPS enforced, security headers present, and secure form handling, though the site lacks a dedicated security policy and incident response information. Privacy compliance is basic with cookie consent and a privacy policy present but lacking detailed GDPR compliance statements. Overall, the site is trustworthy, well-designed, and provides clear contact information, supporting a positive business credibility profile.

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mono.lv

mono.lv

41

Mono Holdings operates as a diversified business group based in Latvia, offering a range of services including financial services, IT and telecommunications, logistics and warehousing, manufacturing and construction, trade, and real estate. The company appears to target business clients and partners primarily within Latvia, with a business model centered on holding and managing multiple service sectors. The website indicates an established presence since at least 2013, though detailed corporate information such as parent or subsidiary companies is not explicitly provided. Technically, the website is built on WordPress 6.0.9 with a combination of Bootstrap and jQuery libraries, leveraging Google Fonts and Google Maps APIs. The site demonstrates moderate performance and basic mobile optimization. SEO and accessibility features are present but remain at a basic level. The site uses HTTPS, ensuring encrypted communication, and implements a cookie consent banner reflecting GDPR compliance awareness. From a security perspective, the site lacks advanced security headers and publicly available security or incident response policies. No vulnerabilities or exposed sensitive data were detected in the content analysis. The absence of WHOIS data due to query limits restricts full domain legitimacy assessment, but the website content and structure suggest a legitimate business presence. Overall, the security posture is moderate with room for improvement in security best practices and transparency. The overall risk assessment is moderate with no critical issues detected. Strategic recommendations include enhancing security headers, publishing security and incident response policies, improving mobile and accessibility features, and providing clear contact information to strengthen trust and compliance.

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Legal Balance, SIA

atgustinaudu.lv

53

The website www.atgustinaudu.lv represents Legal Balance, SIA, a Latvian company specializing in debt recovery services for both individuals and businesses. The company positions itself as a market leader with over 40 million EUR recovered and offers services including domestic and international debt collection, free consultations, and legal support. The website is professionally designed, multilingual, and provides clear navigation and comprehensive service descriptions. Technically, the site employs modern analytics and marketing tools such as Google Analytics, Microsoft Clarity, Hotjar, Facebook Pixel, and New Relic, indicating a mature digital infrastructure. Security posture is solid with HTTPS enforced, cookie consent implemented, and no visible vulnerabilities, although some security headers could be improved. Privacy compliance is well addressed with detailed policies and GDPR-aligned consent mechanisms. Overall, the site reflects a trustworthy and professional business with strong market presence in Latvia.

A

Auto kredīts

autokreditslv.lv

54

Auto kredīts is a Latvian online platform specializing in aggregating and presenting auto loan offers from various financial partners. The website targets Latvian consumers seeking competitive auto financing options, providing a centralized place to compare loan terms, interest rates, and application processes. The platform positions itself as a convenient intermediary, facilitating loan applications through partner institutions such as Moneza, SE Finance, and Latkredits. Technically, the site is built on WordPress with standard plugins including Yoast SEO and Cookie Law Info, ensuring decent SEO and privacy compliance. The site is mobile-optimized and uses modern frameworks like Bootstrap 5 and jQuery. Security posture is adequate with HTTPS enforced and cookie consent implemented, though additional security headers and incident response information are absent. WHOIS data could not be retrieved due to query limits, limiting full domain trust assessment. Overall, the site presents a professional and trustworthy front for Latvian auto loan consumers, but could improve transparency and security practices.

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AS "Grand Credit"

grandcredit.lv

55

Grand Credit is a Latvian financial services company specializing in secured loans against real estate collateral, including mortgages, business loans, and refinancing options. The company targets both private individuals and businesses within Latvia, offering a range of credit products with competitive interest rates starting from 4% annually. The website presents a professional and consistent brand image, providing comprehensive contact details and company registration information, which supports its credibility in the local market. Technically, the website employs modern web technologies including Google Maps API for location services and uses standard web components such as Bootstrap Carousel and jQuery. The site is mobile-optimized and provides a good user experience with clear navigation and relevant content. However, there is no evidence of advanced security headers or analytics tools, and no explicit cookie consent mechanism is present despite having a privacy and cookie policy page. From a security perspective, the site uses HTTPS and secure forms for data collection, but lacks visible security headers and incident response information. The absence of WHOIS data due to query limits restricts full domain legitimacy verification, but the available business information and website content suggest a legitimate and established entity. Overall, the security posture is moderate with room for improvement in transparency and technical safeguards. The overall risk assessment is low to moderate, with recommendations to enhance security headers, implement explicit cookie consent, and publish security policies to improve trust and compliance. The website is suitable for its target audience and maintains a professional online presence consistent with its business operations.