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Security report for achmeapensioenservices.nl

Achmea Pensioenservices · Finance · Netherlands

Medium risk. 6 critical or high findings in GDPR outside view and Security headers.

Security score

69/100

Risk levelMedium

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

Achmea Pensioenservices is a Dutch pension services provider specializing in pension administration, actuarial, legal advice, and communication services. The company supports pension funds and employers in transitioning to the new Dutch pension system, emphasizing practical and transparent solutions. The website is professionally designed with consistent branding aligned with the Achmea group, targeting pension stakeholders in the Netherlands. Technically, the site uses common web technologies such as jQuery, Bootstrap, and Microsoft Application Insights for analytics. However, the site suffers from a critical security issue: the absence of a valid SSL certificate and HTTPS support, exposing users to potential risks. Additionally, no security headers or advanced TLS protocols are configured, and the site performance is slow with a load time exceeding 21 seconds. Privacy and cookie policies are present and appear comprehensive, supporting GDPR compliance. Contact information is available via contact pages but lacks explicit emails or phone numbers in the HTML content. Overall, the site demonstrates moderate digital maturity but requires urgent security improvements to protect user data and enhance trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
0/ 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 achmeapensioenservices.nl

This scan found 11 issues across 5 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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  • 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
100
Security headers
75
Email security
50
DNS health
90
Network security
100
GDPR outside view
0
Average
69

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 Pensioenservices operates within the finance sector, focusing on pension-related advisory and administrative services. It is part of the larger Achmea group, a well-known Dutch insurance and financial services conglomerate. The company leverages its market position by offering specialized services such as actuarial and legal advice, pension communication, and board advisory services. The business model is service-oriented, targeting pension funds, employers, and pension participants primarily in the Netherlands. The website content is rich with news, whitepapers, and service descriptions, indicating active engagement with its audience. Partnerships and related domains confirm integration within the Achmea ecosystem. Growth indicators include frequent content updates and a focus on the upcoming pension system transition. The company maintains a professional online presence but could improve transparency by providing more direct contact details.

Security posture

The current security posture of the website is weak due to the lack of a valid SSL certificate and absence of HTTPS, which is a critical vulnerability. No modern TLS protocols are enabled, and no security headers are present, increasing the risk of man-in-the-middle attacks and other web-based threats. The site does not implement HSTS or OCSP stapling, further weakening its security stance. While no known vulnerabilities or malware are detected, the missing security best practices expose the business and its users to potential risks. There is no visible incident response or security policy information, nor a vulnerability disclosure program, indicating limited transparency in security management. The use of Microsoft Application Insights suggests some level of telemetry and monitoring, but overall, the security maturity is low and requires immediate remediation.

Recommendations

  1. Install and maintain a valid SSL/TLS certificate to enable HTTPS across the entire site.
  2. Enable modern TLS protocols (TLS 1.2 and TLS 1.3) and disable deprecated protocols.
  3. Implement HTTP security headers such as Content-Security-Policy, X-Frame-Options, X-Content-Type-Options, and Referrer-Policy.
  4. Activate HSTS with includeSubDomains and preload options to enforce HTTPS.
  5. Improve website performance by optimizing resources and reducing load time.
  6. Provide explicit company contact emails and phone numbers on the website for better user trust.
  7. Publish a security policy and incident response contact information to enhance transparency.
  8. Consider implementing a vulnerability disclosure program or security.txt file.
Technical notes

Notes

The website is hosted on an Amazon AWS IP address and uses a standard tech stack including jQuery 3.5.1, Bootstrap framework, Font Awesome icons, and Tiny Slider for carousels. Microsoft Application Insights is integrated for telemetry and analytics. The site is mobile-optimized with responsive design elements and clear navigation menus. However, the page load time is slow (over 21 seconds), which may impact user experience and SEO. No CMS is explicitly detected. DNS records are properly configured with no subdomain takeover risk, but DNSSEC is not enabled. The SSL configuration is critically lacking, with no valid certificate and no TLS protocols enabled. No security headers or session resumption mechanisms are present. Overall, the technical infrastructure is functional but requires modernization and security hardening.
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

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