Skip to main content

Security report for allcredits.lv

SIA ESWA · Finance · Latvia

Medium risk. 5 critical or high findings in Security headers, SSL/TLS and 1 other check.

Security score

54/100

Risk levelMedium

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

AllCredits.lv is a Latvian-based online loan aggregator and comparison platform offering a comprehensive catalog of credit companies across Latvia and Europe. The service is free, independent, and does not collect personal data, positioning itself as a trustworthy intermediary for consumers seeking various loan types including short-term, consumer, mortgage, and business loans. The platform supports multiple languages and provides updated loan offers, ratings, and user reviews to aid decision-making. Technically, the site is built on WordPress with common plugins and integrates Google Analytics and Facebook SDK for tracking. It uses HTTPS and reCAPTCHA to enhance security and user trust. However, the use of an outdated jQuery version presents a potential security risk. The absence of WHOIS data limits domain trust verification, but the website content and structure indicate a legitimate and professional operation. Privacy and cookie policies are present, but no explicit terms of service or security policies are disclosed.

Scanned

NIS2 and GDPR posture

GDPR outside view
83/ 100 · Low
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. 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';…

  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.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

  3. Network security

    Services reachable from the internet are the first thing attackers probe. Anything open that does not need to be should be closed.

    • High

      High-Risk Service Exposed: FTP

      Port 21 (FTP) is publicly accessible - FTP - Often unencrypted file transfer

      What to do: Consider restricting access to FTP or implementing strong authentication

      • NIS2 21(2)(e)
      • IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
      • NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
      • NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection

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

Keep watching allcredits.lv

This scan found 25 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.

Daily monitoring

Recommended

€25per month

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

Email alerts on material changes and an exportable JSON history of every change.

Billed monthly to your card. Cancel anytime. See sample alerts.

Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • Lifetime access to this report

Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

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
62
Security headers
15
Email security
70
DNS health
75
Network security
20
GDPR outside view
83
Average
54

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 business operates as an independent loan comparison service targeting consumers in Latvia and wider Europe. Its competitive advantage lies in its free, non-affiliated model that aggregates all credit offers without bias. The platform's revenue likely derives from advertising and partnerships with credit companies. The site demonstrates steady content updates and geographic expansion, indicating growth and active management. Partnerships with related loan catalog sites enhance its ecosystem. The lack of direct contact information and limited corporate disclosures suggest a small-sized entity focused on digital presence and user engagement rather than direct customer service.

Security posture

The website enforces HTTPS and uses Google reCAPTCHA to prevent automated abuse, which are positive security measures. However, the outdated jQuery library version 1.8.3 is a notable vulnerability that could be exploited. No advanced security headers are detected, and there is no public incident response or security policy information. The site does not collect personal data directly, reducing risk exposure. Overall, the security posture is moderate but could be improved by updating libraries, adding security headers, and publishing security policies.

Recommendations

  1. Update all JavaScript libraries, especially jQuery, to the latest secure versions to mitigate known vulnerabilities.
  2. Implement and configure security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to enhance protection against common web attacks.
  3. Publish clear security and incident response policies including contact channels to improve transparency and trust.
  4. Enhance privacy compliance by detailing data retention policies and user rights in privacy documentation.
  5. Consider adding a terms of service page to clarify user agreements and legal disclaimers.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
SIA ESWA
Description
AllCredits is a free service for finding and comparing credit companies in Europe. It provides a detailed catalog of European credit companies offering various loan types including short term credits, consumer credit, refinancing, mortgage loans, business loans, long-term loans, and transport-related loans with online application options.
Key services
Loan catalog and comparison, Credit company ratings, User reviews and comments, Loan calculators and guides
Content quality
good
Branding
consistent

Technology

Stack
jQuery 1.x, Google Analytics, Google Tag Manager, Google Adsense, Facebook SDK, reCAPTCHA, WordPress, GD Star Rating plugin, Polylang plugin
Platforms
WordPress
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
70/100
Good practices seen
  • HTTPS enforced
  • Use of Google reCAPTCHA
  • No personal data collection on site
  • No registration forms

Analytics and tracking

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

Advertising

Ad networks
Google Adsense
Tracking pixels
Facebook SDK
Transparency
good

Site quality

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

Key observations

  1. Website is a loan aggregator focused on Latvia and European countries.
  2. No WHOIS data available due to query limit error.
  3. No direct contact emails or phone numbers found on the site.
  4. Privacy and cookie policies are present and accessible.
  5. No terms of service page explicitly found.
  6. No security or incident response policies disclosed.
  7. Uses WordPress CMS with several plugins and external scripts.
  8. Site uses HTTPS and includes Google Analytics and Facebook SDK for tracking.
  9. No forms collecting personal data on the site, enhancing privacy.
  10. Content is well structured with multilingual support (English, Latvian, Russian).
Technical notes

Notes

The website is built on WordPress CMS with several plugins including GD Star Rating and Polylang for multilingual support. It uses jQuery 1.8.3, which is outdated and poses security risks. The site integrates Google Analytics, Google Tag Manager, Google Adsense, and Facebook SDK for analytics, advertising, and social media integration. The site is mobile optimized and uses responsive design. Performance is moderate with room for improvement. No advanced frameworks detected beyond WordPress and common JavaScript libraries. Hosting provider details are not disclosed. The site uses HTTPS consistently, indicating a valid SSL certificate.
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

Reviews of this site

Share your experience with allcredits.lv. Every review is verified by email and published after moderation.

Overall rating
Select a rating
4000 characters remaining

We’ll email you to confirm your review and keep your details private.

Community rating

No published reviews yet. Be the first to review allcredits.lv.

Feedback on this report

Rate this report, add an optional comment, and tell us if you want a security specialist to follow up.

Overall report quality
Select a rating
2000 characters remaining

We only use your feedback to improve Guard reports. Contact details are never shared.