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Security report for athora.nl

Low risk. 1 critical or high finding in SSL/TLS.

Security score

88/100

Risk levelLow

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

Scanned

NIS2 and GDPR posture

GDPR outside view
88/ 100 · Low
Checks completed
5of 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

1 finding rated critical or high. Fix these first.

  1. 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 athora.nl

This scan found 8 issues across 4 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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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
85
Network security
100
GDPR outside view
88
Average
88

Not counted

  • Email security: did not complete in this scan.
  • DNS health: did not complete in this scan.
  • 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

Athora Netherlands operates in the finance sector, specifically insurance and pension asset management. The company leverages subsidiary brands like Zwitserleven and Reaal to diversify its offerings. The business model centers on long-term capital accumulation for clients' future income needs. The website content and structured data indicate a focus on transparency and compliance, with clear navigation for investors, job seekers, and customers. The presence of recruitment services via a related domain (athora.recruitee.com) shows an active talent acquisition strategy. The company maintains a LinkedIn and Twitter presence, supporting its professional image. No direct revenue data is available, but the company's large size and market leadership suggest significant scale and influence in the Dutch insurance market.

Security posture

The website demonstrates a solid security posture with enforced HTTPS, cookie consent mechanisms, and privacy-focused tracking configurations. However, it lacks published security policies, incident response contacts, and vulnerability disclosure mechanisms, which are important for transparency and trust in the financial sector. No security headers were detected in the provided data, suggesting an opportunity to enhance HTTP security headers to mitigate common web vulnerabilities. The absence of exposed sensitive data and use of modern analytics tools indicate good operational security practices. Overall, the security maturity is good but could be improved by publishing formal security policies and incident response information.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and controls.
  2. Provide clear incident response contact channels such as security@ or abuse@ email addresses.
  3. Implement and publish a vulnerability disclosure policy or security.txt file.
  4. Add HTTP security headers like Content-Security-Policy, X-Content-Type-Options, and X-Frame-Options.
  5. Enhance transparency by including more detailed contact information and certifications on the website.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Athora
Description
Athora Netherlands is één van de leidende verzekeraars in de Nederlandse markt. We onderscheiden ons van onze concurrenten door ons heel sterk te focussen op waar we heel goed in zijn: het opbouwen van vermogen voor inkomen voor later.
Key services
Insurance products, Asset management, Pension services
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, jQuery, Google Tag Manager, Cookiebot, Microsoft Application Insights
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with granular control
  • Google Consent Mode configured to deny ad personalization and storage by default
  • Application Insights telemetry with disabled cookies if consent denied

Analytics and tracking

Services
Microsoft Application Insights, Google Tag Manager
Tracking level
minimal
Privacy practices
good

Advertising

Tracking pixels
Cookiebot, Microsoft Application Insights
Marketing tools
Cookiebot
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 challenges
  2. Strong GDPR compliance with explicit cookie consent and privacy statements
  3. No visible security policy or incident response contact information
  4. No terms of service page found
  5. Clear business focus on insurance and asset management in the Netherlands
  6. Use of modern tracking and consent technologies
  7. Consistent branding and professional design
  8. Limited direct contact information on the site except phone numbers in structured data
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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