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Security report for bacinvestments.sm

Banca Agricola Commerciale · Finance · San Marino

Medium risk. 4 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

56/100

Risk levelMedium

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

Banca Agricola Commerciale (BAC) is a well-established financial institution based in San Marino, providing a broad range of banking and financial services to both private individuals and businesses. The website reflects a mature and professional organization with a strong local presence and a history dating back to 1920. The business model focuses on traditional banking services complemented by digital tools such as mobile apps and online account management. BAC maintains a consistent brand image and offers comprehensive information about its products, subsidiaries, and news updates. Technically, the website is built on WordPress with modern web technologies and includes SEO and accessibility features, although performance is moderate. Security posture is a significant concern due to the absence of a valid SSL certificate and HTTPS support, which exposes users to risks and undermines trust. Privacy compliance is well addressed with clear policies and consent mechanisms. Overall, the domain registration data supports the legitimacy of the business, but technical security improvements are urgently needed.

Scanned

NIS2 and GDPR posture

GDPR outside view
43/ 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

4 findings rated critical or high. Fix these first.

  1. 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 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';…

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • 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

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  3. Network security

    Services reachable from the internet are the first thing attackers probe. Anything open that does not need to be should be closed.

    • High

      High-Risk Service Exposed: FTP

      Port 21 (FTP) is publicly accessible - FTP - Often unencrypted file transfer

      What to do: Consider restricting access to FTP or implementing strong authentication

      • NIS2 21(2)(e)
      • IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
      • NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
      • NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection

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

Keep watching bacinvestments.sm

This scan found 16 issues across 5 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
100
Security headers
55
Email security
50
DNS health
70
Network security
20
GDPR outside view
43
Average
56

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

BAC holds a strong market position as a medium-sized bank in San Marino with over a century of operation. Its competitive advantages include a trusted local brand, diversified financial products, and a digital presence that supports customer engagement. Revenue streams likely derive from traditional banking fees, loans, investments, and insurance products. The target customer segments include retail clients and corporate customers within San Marino. The company ecosystem includes subsidiaries such as BAC Life and BAC Investments, indicating vertical integration in insurance and investment services. Partnerships with local agencies and card providers enhance service offerings. Growth indicators include active news dissemination and digital service promotion. Strategic observations suggest a focus on maintaining trust and expanding digital capabilities while addressing security gaps.

Security posture

The current security maturity level is low due to the lack of HTTPS and valid SSL/TLS certificates, which is a critical vulnerability for any financial institution. The absence of modern TLS protocols and strong cipher suites further exacerbates the risk. While some security headers are present, important protections like HSTS are not enabled. DNSSEC is disabled, and no domain protection locks are in place, increasing exposure to domain hijacking risks. There is no evidence of an incident response policy or vulnerability disclosure mechanism. Compliance with GDPR is supported by privacy policies and cookie consent but lacks explicit security policy documentation. The business impact of these vulnerabilities is high, potentially affecting customer trust and regulatory compliance. Immediate remediation is necessary to secure communications and protect sensitive data.

Recommendations

  1. Acquire and deploy a valid SSL/TLS certificate to enable HTTPS across the entire site.
  2. Enable and configure modern TLS protocols (TLS 1.2 and TLS 1.3) and strong cipher suites.
  3. Activate HSTS with includeSubDomains and preload options to enforce secure connections.
  4. Implement DNSSEC and domain protection locks to safeguard domain integrity.
  5. Develop and publish a formal security policy and incident response plan accessible on the website.
  6. Introduce a vulnerability disclosure policy and security.txt file to encourage responsible reporting.
  7. Conduct regular security audits and penetration testing to identify and mitigate risks.
  8. Enhance accessibility features and optimize website performance for better user experience.
  9. Maintain transparency in data retention policies and update privacy documentation accordingly.
  10. Strengthen trust signals by obtaining relevant certifications and displaying them prominently.

Contact details published on the site

Addresses
Legal name
Banca Agricola Commerciale Istituto Bancario Sammarinese S.p.A.
Technical notes

Notes

The website is powered by WordPress CMS version 6.8.1 with Yoast SEO plugin for search optimization. It uses Google Tag Manager for analytics and Cookiebot for cookie consent management. The front-end employs Swiper.js for sliders and Ionicons for icons. The hosting environment runs on nginx server with IP 194.183.95.47. Performance metrics indicate no load time or resource data available, suggesting possible measurement gaps or caching issues. Mobile optimization is good with responsive design elements. Accessibility is basic with some ARIA and skip links present. SEO is enhanced by meta tags, Open Graph, and JSON-LD structured data. However, the lack of HTTPS and modern security protocols represents a critical technical debt. The site includes interactive maps using Google Maps API and multiple external links to partner and subsidiary domains. Overall, the technical infrastructure supports business needs but requires urgent security upgrades 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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