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Security report for apg.nl

APG · Finance · Netherlands

Medium risk. 7 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

APG is a large Dutch pension fund service provider specializing in pension administration, asset management, and advisory services. The website is content-rich, professionally designed, and targets pension participants and institutional investors. The technical infrastructure includes Cloudflare hosting, Umbraco CMS, and multiple marketing and analytics tools such as Google Tag Manager and Cookiebot. However, a critical security issue is the absence of a valid SSL certificate and enabled TLS protocols, which severely impacts the security posture. Security headers are well implemented, but the lack of HTTPS reduces trust and security. Privacy compliance is strong with clear privacy and cookie policies and consent mechanisms. Contact information is primarily via web forms, with no explicit emails or phone numbers found. Social media presence is active on LinkedIn, Facebook, and Instagram. Overall, the website is professional and trustworthy but requires urgent SSL/TLS configuration improvements to enhance security and user 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

7 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 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

  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 apg.nl

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.

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
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

APG holds a strong market position in the Dutch pension sector, offering essential pension and asset management services. The business model focuses on long-term financial returns combined with societal impact, targeting pension participants and institutional clients. The website content emphasizes sustainability, innovation, and corporate governance, reflecting strategic priorities. The presence of dedicated partner domains for careers and asset management indicates a structured ecosystem. The company leverages modern marketing and analytics tools to engage its audience effectively. No suspicious or privacy-protected domain registrations were detected, supporting legitimacy. The absence of direct contact emails or phone numbers suggests a controlled communication approach via forms.

Security posture

The website implements several security best practices including strict Content Security Policy, HSTS header, X-Frame-Options, and other security headers. However, the lack of a valid SSL certificate and disabled TLS protocols is a critical vulnerability, exposing users to potential interception and undermining trust. No known vulnerabilities like Heartbleed or POODLE were detected, but the absence of HTTPS is a major compliance and security gap. No explicit security or incident response policies are published on the site. The site uses Cloudflare as a hosting provider but does not leverage its SSL capabilities properly. Overall, the security maturity is low due to missing HTTPS, despite good header configurations.

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 legacy protocols.
  3. Implement OCSP stapling and session resumption to improve SSL performance and security.
  4. Publish a dedicated security policy and incident response contact information to enhance transparency.
  5. Continue enforcing strong Content Security Policy and security headers to mitigate common web attacks.
Technical notes

Notes

The website uses Umbraco CMS with Cloudflare hosting and integrates multiple JavaScript libraries and marketing tools including Google Tag Manager, Cookiebot, and Hotjar. The site is mobile optimized with good accessibility and SEO practices. However, performance metrics are missing or zero, indicating potential measurement gaps or slow loading times. The site uses lazy loading for images and preloads fonts for performance. The DNS setup is professional with multiple authoritative name servers and Outlook-based mail exchange. The absence of SSL/TLS is a significant technical risk. The site architecture includes multiple collections and content categories, indicating a mature content management strategy.
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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