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Security report for avafin.cz

AvaFin Czech s.r.o. · Finance · Czech Republic

Medium risk. 9 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

61/100

Risk levelMedium

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

AvaFin Czech s.r.o. operates as a licensed non-bank consumer lender in the Czech Republic, offering quick online loans primarily targeting consumers needing fast financial assistance before payday. The company is a member of the Asociace poskytovatelů nebankovních úvěrů and holds a license from the Czech National Bank, indicating regulatory compliance and market legitimacy. Their business model focuses on flexible loan terms with online application and repayment options, supported by clear representative examples and transparent communication. The website content is professionally presented in Czech, with consistent branding and clear calls to action.

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

9 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 avafin.cz

This scan found 24 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
57
Security headers
15
Email security
85
DNS health
85
Network security
100
GDPR outside view
25
Average
61

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

The company positions itself as a trusted mid-sized financial service provider in the Czech market, leveraging partnerships with entities like Crediton and Creamfinance. Their competitive advantage lies in rapid loan disbursement, flexible repayment, and regulatory licensing. The target customer segment includes individuals seeking short-term non-bank loans with straightforward online processes. The website's content and structure support customer engagement and trust, with visible contact details and industry association membership. Growth indicators include recent blog content and rebranding efforts to enhance user experience.

Security posture

The website employs HTTPS with good SSL configuration and includes cookie consent mechanisms, reflecting basic privacy compliance. However, no advanced security headers were detected, and there is no explicit incident response or security policy information available. The absence of WHOIS data reduces transparency but does not directly indicate malicious intent. The site uses common third-party scripts like Google Tag Manager and Contact Form 7, which should be regularly audited for vulnerabilities. Overall, the security posture is moderate with room for improvement in headers and incident response readiness.

Recommendations

  1. Implement comprehensive security headers such as Content-Security-Policy, X-Frame-Options, and X-XSS-Protection to enhance protection against common web attacks.
  2. Publish a dedicated security policy and incident response contact information to improve transparency and customer trust.
  3. Regularly review and update third-party scripts and plugins to mitigate vulnerabilities.
  4. Enhance accessibility features to improve compliance and user experience for all visitors.
  5. Consider publishing a security.txt file and vulnerability disclosure policy to encourage responsible reporting.

Contact details published on the site

Addresses
Legal name
AvaFin Czech s.r.o.
Registration number
C 180184
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
AvaFin Czech s.r.o.
Description
Rychlá půjčka od avafin.cz – peníze na účtu rychle a bez zdržení. Naše SMS půjčka před výplatou vám pokryje nenadálé výdaje. Získejte peníze jednoduše!
Key services
Quick online loans, SMS loans before payday, Flexible loan repayment
Content quality
good
Branding
consistent

Technology

Stack
WordPress, Yoast SEO plugin, Contact Form 7, Google Tag Manager, Google Analytics, JavaScript, CSS, HTML5
Platforms
WordPress
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Cookie consent mechanism implemented

Analytics and tracking

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

Advertising

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 Czech language.
  2. No WHOIS data available, possibly due to privacy or registry restrictions.
  3. Site uses HTTPS and modern web technologies.
  4. Cookie consent banner present and functional.
  5. Company is licensed and member of industry association.
  6. Contact info is clearly provided with phone, email, and address.
  7. No security.txt or explicit incident response info found.
  8. No suspicious or malicious content detected.
  9. Content is focused on financial lending services with clear disclaimers and representative examples.
Technical notes

Notes

The website is built on WordPress with popular plugins like Yoast SEO and Contact Form 7, indicating a standard CMS-based infrastructure. It uses modern web technologies including asynchronous JavaScript loading and responsive design for mobile optimization. Performance is moderate with preloading of fonts and images to improve load times. The site integrates Google Tag Manager and Analytics for tracking, which supports marketing and user behavior analysis. Hosting details are not explicitly identified. The technical setup is adequate for the business needs but could benefit from enhanced security configurations and performance tuning.
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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