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Security report for asfromania.ro

Autoritatea de Supraveghere Financiară · Finance · Romania

Medium risk. 7 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

65/100

Risk levelMedium

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

Autoritatea de Supraveghere Financiară (ASF) is the official Romanian financial supervisory authority responsible for regulating, authorizing, and supervising the insurance market, private pensions, and capital markets. The website serves as a comprehensive portal for regulatory information, public consultations, press releases, and consumer alerts, targeting both the general public and financial market participants. The organization is well-established, founded in 2013, and holds a significant position in Romania's financial regulatory landscape. Technically, the website is built on Joomla CMS and incorporates modern web technologies including Google Analytics and Google Tag Manager for analytics, FontAwesome for icons, and Google Fonts for typography. The site is mobile-optimized and includes accessibility features, providing a good user experience. Performance is moderate, with no critical technical issues detected. From a security perspective, the site uses HTTPS with a good SSL configuration but lacks advanced security headers such as Content-Security-Policy or X-Frame-Options. There is no visible security policy or incident response contact information published, nor a vulnerability disclosure or security.txt file. Cookie consent mechanisms are implemented, indicating awareness of privacy compliance. WHOIS data is consistent with the organization's claims, enhancing trust. Overall, the website is professional, trustworthy, and compliant with GDPR requirements. Recommendations include enabling DNSSEC, adding security headers, publishing security policies, and establishing a vulnerability disclosure program to further enhance security posture and transparency.

Scanned

NIS2 and GDPR posture

GDPR outside view
40/ 100 · High
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

    • 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 asfromania.ro

This scan found 23 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

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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
15
Email security
85
DNS health
70
Network security
100
GDPR outside view
40
Average
65

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

ASF holds a critical regulatory role in Romania's financial sector, overseeing insurance, pensions, and capital markets. Its business model is that of a government authority, funded and operated independently. The website reflects a mature digital presence with clear communication channels, including social media and multiple contact methods. The organization targets a broad audience including consumers, investors, and financial entities. Partnerships with entities like SAL-FIN and Fondul de Garantare a Asiguraților indicate a collaborative ecosystem. The site content and structure support transparency and public engagement, with frequent updates and public consultations. Growth indicators include active public consultations and press releases, signaling ongoing regulatory activity. The absence of commercial advertising or affiliate programs aligns with its public service mandate. The website's trust signals and consistent branding reinforce its authoritative market position.

Security posture

The website demonstrates a baseline security posture with HTTPS enabled and cookie consent implemented, supporting privacy compliance. However, the absence of DNSSEC and security headers reduces defense-in-depth. No exposed sensitive data or vulnerable libraries were detected in the analysis. The lack of published security policies or incident response contacts limits transparency and readiness for security incidents. No vulnerability disclosure mechanism or security.txt file was found, which is a gap for responsible vulnerability management. Overall, the security posture is moderate but could be significantly improved by adopting recommended best practices such as enabling DNSSEC, adding security headers, and publishing incident response and vulnerability disclosure information.

Recommendations

  1. Enable DNSSEC on the domain to improve DNS security and prevent spoofing.
  2. Implement security headers including Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
  3. Publish a clear security policy and incident response contact information on the website.
  4. Establish a vulnerability disclosure program and publish a security.txt file to facilitate responsible reporting.
  5. Regularly audit and update third-party libraries and scripts to mitigate potential vulnerabilities.

Contact details published on the site

Addresses
Legal name
Autoritatea de Supraveghere Financiară
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Autoritatea de Supraveghere Financiară
Description
Autoritatea de Supraveghere Financiară este autoritatea care reglementează, autorizează, supraveghează piața asigurărilor, piața pensiilor private şi piaţa de capital
Key services
Authorization, Supervision, Legislation, Consumer protection, Reports, Sanctions
Content quality
good
Branding
consistent

Technology

Stack
Google Analytics, Google Tag Manager, jQuery, FontAwesome, Google Fonts
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enabled
  • Cookie consent mechanism

Analytics and tracking

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

Advertising

Transparency
basic

Site quality

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

Key observations

  1. Official Romanian financial supervisory authority website
  2. Comprehensive content with regulatory information and public resources
  3. Good contact and social media presence
  4. Cookie consent implemented
  5. No visible security headers detected
  6. No vulnerability disclosure or security.txt found
  7. WHOIS data consistent and domain age appropriate
Technical notes

Notes

The website is built on Joomla CMS, leveraging standard web technologies such as JavaScript, CSS, and HTML5. It uses Google Analytics and Google Tag Manager for tracking and analytics, and FontAwesome for iconography. The site is mobile responsive and includes accessibility features, enhancing usability. Performance is moderate, with no critical errors or broken elements detected. SEO is supported by proper meta tags and structured navigation. However, the site lacks advanced security headers and DNSSEC, which are technical risks. The cookie consent mechanism is implemented correctly, supporting privacy compliance. Overall, the technical infrastructure is solid but could benefit from security enhancements and performance optimizations.
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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