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Security report for achmeabank.nl

Achmea Bank · Finance · Netherlands

Medium risk. 6 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

61/100

Risk levelMedium

0–100, higher is better. How it is calculated

Achmea Bank is a large Dutch financial institution operating as part of the Achmea group, offering savings, mortgage, and investment products primarily to individual customers in the Netherlands. The website is built on a modern technical stack including React and Sitecore CMS, hosted likely on Microsoft Azure infrastructure. The site demonstrates good content quality, clear branding, and professional design, with comprehensive privacy and cookie policies in place. However, the security posture is weakened by an invalid SSL certificate and lack of enabled TLS protocols, which are critical issues for a financial services website. Contact information is primarily provided via contact forms without explicit email addresses or phone numbers. Overall, the site is functional and professional but requires urgent security improvements to ensure trust and compliance.

Scanned

This is an earlier scan of achmeabank.nl. View the latest report

NIS2 and GDPR posture

GDPR outside view
15/ 100 · Critical
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

6 findings rated critical or high. Fix these first.

  1. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • Critical

      EU business without adequate privacy measures

      EU businesses are subject to strict GDPR requirements

      What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  2. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

Need hands-on remediation? Email guard@offseq.com

Keep watching achmeabank.nl

This scan found 12 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

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Recommended

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  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
50
Security headers
75
Email security
50
DNS health
75
Network security
100
GDPR outside view
15
Average
61

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Achmea Bank leverages its position as part of the Achmea group to offer a diversified portfolio of financial products under multiple brands, targeting Dutch retail customers. The business model focuses on mortgage lending, savings, and investment services, supported by a strong brand ecosystem including Centraal Beheer, Acier Financieringen, and Attens Hypotheken. The website reflects a mature digital presence with structured navigation and investor relations content, indicating a transparent and well-established market position. The absence of direct contact emails and phone numbers suggests a controlled communication channel strategy, possibly for security and compliance reasons.

Security posture

The website implements several security headers and enforces strict transport security via HSTS. However, the invalid SSL certificate and absence of TLS protocol support represent significant vulnerabilities that could expose users to man-in-the-middle attacks and undermine trust. The DNS configuration includes a strict DMARC policy, enhancing email security. No incident response or vulnerability disclosure information is publicly available, which could limit transparency in security management. The use of secure and HttpOnly cookies is a positive practice. Overall, the security maturity is moderate but requires remediation of critical SSL/TLS issues.

Recommendations

  1. Immediately renew or replace the SSL certificate to ensure it is valid and trusted by browsers.
  2. Enable and configure modern TLS protocols (TLS 1.2 and TLS 1.3) to secure communications.
  3. Correct the malformed CAA DNS records to properly restrict certificate authorities.
  4. Implement a cookie consent mechanism to comply fully with GDPR and ePrivacy directives.
  5. Publish clear incident response and vulnerability disclosure policies to enhance transparency and trust.
Technical notes

Notes

The website is built using React and managed via Sitecore CMS, indicating a modern and scalable architecture. Hosting appears to be on Microsoft Azure, providing robust infrastructure. Performance metrics are not available, but the presence of large images and multiple JavaScript bundles suggests potential optimization opportunities. Accessibility is basic but present, with some ARIA labels and skip navigation links. SEO is well addressed with meta tags and Open Graph data. The technical debt includes the critical SSL/TLS misconfiguration and incomplete DNS CAA records, which pose risks to secure operations.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

Earlier scans of this domain

  1. 58/100Medium21 findingsView report
  2. 58/100 −3Medium21 findingsView report
  3. 61/100Medium19 findingsView report
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