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Security report for agrocredit.lv

SIA AgroCredit Latvia · Finance · Latvia

High risk. 9 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

46/100

Risk levelHigh

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

AgroCredit Latvia is a specialized financial services company providing credit and leasing solutions tailored for the agricultural sector in Latvia. Their offerings include seasonal financing for grain growers, working capital loans, investment loans including EU structural fund projects, and financial leasing. The company targets Latvian farmers and agricultural enterprises, positioning itself as a niche lender with deep understanding of the agricultural market. The website content is professional, well-structured, and provides clear information about services and contact options, including client testimonials that enhance trust. Technically, the site is built on WordPress with modern frameworks like Bootstrap and includes SEO and analytics tools such as Yoast SEO, Google Tag Manager, and Facebook Pixel. Security measures include HTTPS and Google reCAPTCHA on forms, though some security headers are missing and no explicit incident response or security policies are published. WHOIS data could not be retrieved due to query limits, limiting domain legitimacy verification. Overall, the site demonstrates a solid digital presence with good business credibility and moderate security posture.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 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

9 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

  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 Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • 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';…

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Keep watching agrocredit.lv

This scan found 26 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
52
Security headers
15
Email security
70
DNS health
75
Network security
40
GDPR outside view
25
Average
46

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

The company operates in the finance sector with a focus on agricultural lending in Latvia, serving a specialized market segment of farmers and agricultural businesses. Their business model revolves around providing tailored credit products and leasing solutions to meet the seasonal and investment needs of their clients. The presence of a partner portal indicates a structured client engagement process. Testimonials and financial data pages suggest transparency and customer satisfaction. The company appears to be a small-sized entity founded in 2011, with no visible parent or subsidiary companies. Marketing and tracking tools are used responsibly to support business growth and customer insights. The company’s niche focus and regional presence provide competitive advantages in understanding client needs and delivering specialized financial products.

Security posture

The website enforces HTTPS and uses Google reCAPTCHA to protect forms from spam and abuse, which are positive security practices. However, the absence of key security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options reduces the overall security posture. No explicit security or incident response policies are published, which could be a compliance gap especially under GDPR and NIS2 frameworks. The site uses up-to-date WordPress and plugins but should ensure continuous patching to mitigate vulnerabilities. No exposed sensitive data or known vulnerabilities were detected in the analysis. The cookie consent mechanism is implemented, supporting GDPR compliance. Overall, the security posture is moderate but could be improved by adding security headers, publishing security policies, and enhancing incident response readiness.

Recommendations

  1. Implement standard security headers (CSP, X-Frame-Options, X-Content-Type-Options) to enhance protection against common web attacks.
  2. Publish a dedicated security policy and incident response contact information to improve transparency and compliance.
  3. Regularly audit and update WordPress core and plugins to mitigate vulnerabilities.
  4. Enhance privacy compliance by detailing data retention policies and providing clearer GDPR-related information.
  5. Consider adding a data protection officer contact or privacy team contact to strengthen data protection trust.

Contact details published on the site

Addresses
Legal name
SIA AgroCredit Latvia
Registration number
40103479757
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
SIA AgroCredit Latvia
Description
AgroCredit Latvia provides credit services to Latvian farmers including seasonal financing for grain growers, working capital loans, long-term loans, and leasing services for all agricultural sectors. They also finance EU structural fund co-financed projects.
Key services
Seasonal financing for grain growers, Working capital credit line, Investment loans including EU structural fund projects, Financial leasing
Content quality
good
Branding
consistent

Technology

Stack
WordPress 6.0.3, Bootstrap CSS, jQuery, Google reCAPTCHA v3, Yoast SEO plugin, Contact Form 7 plugin, Google Tag Manager, Facebook Pixel
Frameworks
Bootstrap
Platforms
WordPress
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced
  • Use of Google reCAPTCHA v3 on forms
  • Cookie consent banner implemented

Analytics and tracking

Services
Google Analytics, Google Tag Manager, Facebook Pixel
Tracking level
moderate
Privacy practices
basic

Advertising

Ad networks
Google Ads, DoubleClick
Tracking pixels
Facebook Pixel, Google Analytics (via GTM)
Marketing tools
Facebook Business Manager
Transparency
good

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high

Key observations

  1. Website is fully accessible with no blocking or WAF challenge.
  2. Content is in Latvian with English language option available.
  3. Business is focused on agricultural financing in Latvia.
  4. Contact form collects personal and business data with GDPR consent checkbox.
  5. No explicit security or incident response policies found on site.
  6. WHOIS data unavailable due to query limit error.
  7. Use of modern web technologies and SEO best practices.
  8. Cookie consent banner present and functional.
  9. No suspicious or malicious content detected.
Technical notes

Notes

The website is built on WordPress 6.0.3 using Bootstrap for responsive design and jQuery for interactivity. SEO is enhanced with Yoast SEO plugin, and user interaction is tracked via Google Tag Manager and Facebook Pixel. Google reCAPTCHA v3 is integrated for spam protection on forms. The site loads external fonts from Google Fonts and uses CDN-hosted scripts for performance. The site is mobile optimized with responsive navigation and layout. Performance is moderate, with no major issues detected. Accessibility is basic but could be improved with more ARIA attributes and semantic HTML. The site uses a cookie consent banner to comply with privacy regulations. Hosting provider details are not explicitly found. Overall, the technical infrastructure is modern and adequate for the business needs.
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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