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Security report for autokredit.lv

Finance · Latvia

High risk. 10 critical or high findings in GDPR outside view, Security headers and 2 other checks.

Security score

44/100

Risk levelHigh

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

The website autokredit.lv provides financial services specializing in quick and easy loans secured by vehicles, targeting Latvian car owners. The site is built on WordPress and uses common web technologies such as jQuery and Google Fonts. The content is primarily in Latvian and focuses on car-backed loans, but lacks comprehensive business and contact information. The technical infrastructure is basic with moderate performance and mobile optimization. Security posture is limited, with no evident security headers or advanced protections, and no privacy or cookie policies are present. WHOIS data is unavailable due to query limits, limiting domain legitimacy assessment. Overall, the site functions as a basic financial service platform but requires improvements in transparency, security, and compliance to enhance trust and user confidence.

Scanned

NIS2 and GDPR posture

GDPR outside view
10/ 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

10 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';…

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

Keep watching autokredit.lv

This scan found 27 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
72
Security headers
15
Email security
70
DNS health
75
Network security
20
GDPR outside view
10
Average
44

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

Autokredit.lv operates in the finance sector, offering vehicle-backed loans to individuals in Latvia. The business model is direct online loan provision, likely generating revenue through interest and fees on loans. The target audience is Latvian vehicle owners seeking fast cash loans. The website does not disclose company registration or detailed business information, which limits competitive and partnership insights. There is no evidence of certifications or trust badges. The lack of contact details and policies may hinder customer trust and regulatory compliance. The site appears to be a small-scale operation with a focused niche in the Latvian market.

Security posture

The security maturity of autokredit.lv is low to moderate. The site uses HTTPS but lacks visible security headers such as Content-Security-Policy or X-Frame-Options. No security or incident response policies are published, and no contact channels for security issues are provided. The absence of privacy and cookie policies indicates potential GDPR compliance gaps. No known vulnerabilities or exposed sensitive data were detected in the HTML content, but the lack of security best practices and transparency poses risks. The site would benefit from implementing standard security headers, publishing privacy and security policies, and establishing incident response contacts to improve security posture and compliance.

Recommendations

  1. Implement and enforce comprehensive security headers including Content-Security-Policy, X-Frame-Options, and X-XSS-Protection.
  2. Publish clear privacy and cookie policies to comply with GDPR and inform users about data handling.
  3. Add visible and verified contact information including company emails and phone numbers for customer and security incident communication.
  4. Conduct regular security audits and update WordPress and plugins to mitigate vulnerabilities.
  5. Establish an incident response process and publish relevant contact channels to enhance trust and readiness.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Description
Website offers quick and easy money loans secured by your car.
Key services
Car-backed loans, Quick loan approval
Content quality
basic
Branding
moderate

Technology

Stack
WordPress, jQuery, Google Fonts
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
50/100

Analytics and tracking

Tracking level
minimal
Privacy practices
poor

Advertising

Transparency
poor

Site quality

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

Key observations

  1. Website is accessible and not blocked by WAF or security challenges.
  2. WHOIS data is unavailable due to query limit exceeded error.
  3. No privacy policy, cookie policy, or terms of service pages detected.
  4. No explicit contact information such as emails or phone numbers found in the HTML content.
  5. Website uses WordPress CMS with jQuery and Google Fonts.
  6. No security headers or advanced security configurations detected in the HTML content.
  7. No analytics or tracking scripts detected.
  8. Content is focused on car-backed loans in Latvia, in Latvian language.
  9. No adult or NSFW content detected.
  10. Website design and content quality is basic but functional.
Technical notes

Notes

The website is built on WordPress CMS with jQuery and Google Fonts integration. The HTML structure is standard but lacks advanced SEO and accessibility features. Performance is moderate with deferred script loading. Mobile responsiveness is good, but accessibility features are basic. No advanced frameworks or hosting provider information is evident. The site does not use common analytics or marketing tools, indicating minimal tracking. Technical debt appears low but modernization opportunities exist in security and compliance implementations. Overall, the technical setup supports basic business needs but requires enhancements for security, compliance, and user experience.
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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