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Security report for acredia.at

ACREDIA Versicherung AG · Finance · Austria

Medium risk. 5 critical or high findings in GDPR outside view and SSL/TLS.

Security score

51/100

Risk levelMedium

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

ACREDIA Versicherung AG is a well-established credit insurance provider based in Austria, serving a broad range of B2B clients including SMEs and large enterprises. The company offers comprehensive credit insurance products, debt collection services, and risk management solutions, supported by strong partnerships with Allianz Trade and Oesterreichische Kontrollbank. The website reflects a mature digital presence with multilingual support, professional design, and clear business messaging. Technically, the site is built on WordPress with Elementor and related plugins, ensuring good user experience and SEO optimization. However, the security posture is weakened by the absence of a valid SSL certificate and lack of modern TLS protocols, which poses risks to data confidentiality and user trust. Privacy compliance is well addressed with visible cookie consent and privacy policies. Overall, ACREDIA demonstrates strong business credibility and customer trust but should urgently address SSL/TLS issues to enhance security and compliance.

Scanned

This is an earlier scan of acredia.at. View the latest report

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

5 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

    • Critical

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

    • 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. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • Critical

      No HTTPS Encryption

      Website does not use HTTPS encryption, making all data transmission vulnerable to interception

      What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS

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

Keep watching acredia.at

This scan found 16 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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  • 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
0
Security headers
70
Email security
50
DNS health
85
Network security
100
GDPR outside view
0
Average
51

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

ACREDIA holds a leading market position in Austria's credit insurance sector, leveraging over 30 years of experience and an extensive network. Their business model focuses on mitigating financial risks for companies through tailored insurance solutions and services like credit checks and debt collection. The company targets B2B customers across Austria and Southeast Europe, emphasizing financial stability and growth. Their digital ecosystem includes customer portals and integrity reporting services, indicating a comprehensive service offering. The presence of customer testimonials and certifications further strengthens their market credibility. Strategic partnerships and a strong brand presence support sustainable growth and competitive advantage.

Security posture

The website implements several security headers such as HSTS, CSP, X-Frame-Options, and X-Content-Type-Options, indicating awareness of security best practices. However, the lack of a valid SSL certificate and disabled TLS protocols critically undermine the security posture, exposing users to potential data interception and trust issues. No OCSP stapling or session resumption mechanisms are in place, which could affect performance and security. No explicit incident response or security policy pages were found, suggesting room for improvement in transparency and readiness. Overall, while some security controls exist, the fundamental HTTPS implementation must be corrected to meet modern security standards and regulatory compliance.

Recommendations

  1. Immediately install and maintain a valid SSL/TLS certificate to enable HTTPS across the entire site.
  2. Enable and configure modern TLS protocols (TLS 1.2 and TLS 1.3) to ensure secure communications.
  3. Implement OCSP stapling and session resumption to improve security and performance.
  4. Publish a clear security policy and incident response information to enhance transparency and trust.
  5. Continue to maintain and improve privacy compliance mechanisms, including cookie consent and data protection disclosures.

Contact details published on the site

Addresses
Legal name
ACREDIA Versicherung AG
Technical notes

Notes

The website is built on a modern WordPress platform using Elementor and JetPlugins, providing a flexible and responsive design. SEO is enhanced by Rank Math PRO and proper meta tags including Open Graph and JSON-LD structured data. The site uses Google Tag Manager and Usercentrics for analytics and consent management. Performance data is not available, but the site appears optimized for mobile and accessibility. Hosting is on a server with IP 148.251.15.101, likely a reputable provider. The main technical risk is the missing valid SSL certificate and disabled TLS protocols, which should be prioritized for remediation to avoid user trust issues and potential regulatory penalties.
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. 84/100Low24 findingsView report
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