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Security report for altum.lv

Altum · Finance · Latvia

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

Security score

75/100

Risk levelMedium

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

Altum is a Latvian state financial institution providing government-backed financial support and services to residents, businesses, farmers, and investors. The website clearly communicates its role in supplementing the private financial market with state support products, including loans, investment funds, and bonds. The institution targets a broad audience within Latvia, including individuals and commercial entities. The digital presence is built on a modern WordPress CMS with Elementor, featuring responsive design and integrated calculators to assist users. Security measures include HTTPS enforcement and Google reCAPTCHA integration, alongside a GDPR-compliant cookie consent mechanism. However, explicit security policies and incident response contacts are not publicly available, and WHOIS data could not be retrieved due to query limits, slightly reducing confidence in domain registration transparency. Overall, the website demonstrates a solid security posture and professional business presentation appropriate for a government financial institution.

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

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

    • 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 Consent Banner found

      GDPR requires explicit consent for non-essential cookies

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

    • High

      Third-party services without privacy policy

      Detected services: Facebook, Twitter, LinkedIn, YouTube, Google APIs

      What to do: Document all third-party data sharing in your privacy policy

  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

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

Keep watching altum.lv

This scan found 17 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

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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
77
Security headers
80
Email security
85
DNS health
85
Network security
100
GDPR outside view
25
Average
75

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

Altum operates as a key financial intermediary in Latvia, offering state-supported financial products that complement the private sector. Its market position is strong as a government entity, providing essential services to multiple sectors including agriculture and investment. The business model focuses on facilitating access to finance through loans, guarantees, and investment funds. The website's content and structure indicate a mature digital strategy with clear navigation and multilingual support (Latvian and English). The presence of official social media channels and structured data enhances credibility. Revenue streams likely include government funding and financial product fees. The partnership ecosystem includes government bodies and financial institutions, although no explicit partner domains were identified. Growth indicators are implied by active bond issuance and investor relations content.

Security posture

The website maintains a good security posture with HTTPS enforced and use of Google reCAPTCHA to protect forms from abuse. Cookie consent is implemented in compliance with GDPR, indicating attention to privacy regulations. However, the absence of explicit security headers such as Content-Security-Policy and X-Frame-Options suggests room for improvement. No vulnerabilities or exposed sensitive data were detected in the HTML content. The lack of published security policies or incident response contacts limits transparency in security governance. Overall, the security maturity is adequate for a government financial institution but could be enhanced by formalizing security documentation and improving HTTP header configurations.

Recommendations

  1. Implement and verify comprehensive security headers including CSP, X-Frame-Options, and X-Content-Type-Options to mitigate common web attacks.
  2. Publish a dedicated security policy and incident response contact information to improve transparency and trust.
  3. Regularly audit and update WordPress core, themes, and plugins to minimize vulnerability exposure.
  4. Enhance accessibility features to improve compliance and user experience for all visitors.
  5. Consider obtaining and displaying relevant security certifications or trust seals to reinforce credibility.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Altum
Description
Mēs esam finanšu institūcija un sniedzam valsts atbalstu. Mēs papildinām privātā finanšu tirgus piedāvājumu.
Key services
Financial support for residents, Business financing, Agricultural support, Investment funds, Bond issuance
Content quality
good
Branding
consistent

Technology

Stack
WordPress, Elementor, Google Fonts, Google reCAPTCHA, Calconic (calculator widgets), jQuery, Ant Design components
Frameworks
WordPress, Elementor
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • Use of Google reCAPTCHA for forms
  • Cookie consent banner implemented

Analytics and tracking

Tracking level
minimal
Privacy practices
good

Advertising

Tracking pixels
Google reCAPTCHA, Push notification service from webpushs.com
Marketing tools
Google Fonts, Calconic calculators
Transparency
basic

Site quality

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

Key observations

  1. Website is fully accessible with rich content in Latvian language
  2. Clear cookie consent mechanism compliant with GDPR
  3. No exposed sensitive data or obvious vulnerabilities detected
  4. WHOIS data unavailable due to query limit error
  5. Use of modern web technologies and CMS
  6. Contact information includes official phone number and contact form
  7. Social media presence on Facebook confirmed
  8. No explicit security or incident response policies found on site
Technical notes

Notes

The website is built on WordPress with Elementor page builder, leveraging modern web technologies such as Google Fonts, jQuery, and Google reCAPTCHA. It integrates third-party services like Calconic calculators and push notification scripts. The site is mobile responsive and optimized for SEO with proper meta tags and structured data (JSON-LD). Performance is moderate, with caching and asset optimization evident. Accessibility is basic but could be improved. Hosting provider details are not explicitly available. The technical stack is standard for government and financial institutions, balancing usability and security. Opportunities exist to enhance security headers and formalize technical documentation.
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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