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Security report for balcia.lv

Balcia.lv · Finance · Latvia

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

Security score

84/100

Risk levelLow

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

Balcia.lv is an established Latvian online insurance provider offering a variety of insurance products including OCTA, KASKO, accident, and travel insurance. The website targets Latvian customers seeking quick and convenient online insurance solutions. The business model focuses on digital brokerage and sales, positioning Balcia.lv as a competitive player in the Latvian insurance market. The website content is professionally presented with consistent branding and clear service descriptions. Technically, the website employs modern web technologies including JavaScript frameworks, CSS, and HTML5, supported by multiple analytics and marketing tools such as Google Tag Manager, Microsoft Clarity, Hotjar, and Cookiebot for cookie consent management. The site is mobile optimized and demonstrates good SEO practices. Security headers and HTTPS are properly implemented, contributing to a strong security posture. Security-wise, the site shows good practices with enforced HTTPS, cookie consent, and no visible vulnerabilities or exposed sensitive data. However, the absence of a published privacy policy, terms of service, and explicit incident response contacts are gaps in compliance and security transparency. The extensive use of third-party tracking and advertising scripts indicates a high level of user tracking, which may require enhanced privacy disclosures. Overall, the website presents a moderate to good risk profile with solid technical and security foundations but needs improvements in privacy compliance and transparency. Strategic recommendations include publishing comprehensive privacy and terms policies, adding a security.txt file for vulnerability disclosure, and providing clear contact information for security incidents to enhance trust and compliance.

Scanned

NIS2 and GDPR posture

GDPR outside view
83/ 100 · Low
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

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 SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

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

Keep watching balcia.lv

This scan found 14 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

Email alerts on material changes and an exportable JSON history of every change.

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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
75
Security headers
85
Email security
85
DNS health
75
Network security
100
GDPR outside view
83
Average
84

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

Balcia.lv operates in the Latvian insurance sector, focusing on online sales of various insurance products. Its competitive advantage lies in fast online insurance quotes and a broad product portfolio. The business model leverages digital channels and partnerships with insurance providers. Revenue streams likely include commissions from insurance sales. The target customers are individuals and businesses in Latvia seeking insurance solutions online. Growth indicators include the use of advanced analytics and marketing tools. The partnership ecosystem includes major advertising and analytics platforms but no explicit partner domains were identified. The company maintains consistent branding and a professional online presence, supporting its market position.

Security posture

The website demonstrates a mature security posture with HTTPS enforcement and multiple security headers such as Content-Security-Policy and Strict-Transport-Security. Cookie consent is actively managed via Cookiebot, indicating GDPR awareness. No direct vulnerabilities or exposed sensitive data were detected in the HTML content. However, the lack of a published privacy policy, terms of service, and incident response contacts are compliance gaps. The extensive use of third-party scripts increases the attack surface and requires ongoing monitoring. No security.txt or vulnerability disclosure mechanisms were found, limiting external security engagement. Overall, the security culture appears adequate but could be enhanced with improved transparency and formal incident response channels.

Recommendations

  1. Publish a comprehensive privacy policy and terms of service pages clearly linked from the homepage.
  2. Implement and publish a security.txt file to facilitate vulnerability disclosure and improve security transparency.
  3. Provide explicit contact information for security incidents, including dedicated security or abuse email addresses.
  4. Enhance accessibility features to meet recognized standards and improve user inclusivity.
  5. Regularly audit and update third-party scripts to mitigate risks from external dependencies.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Balcia.lv
Description
Atklājiet apdrošināšanas cenas tiešsaistē vien 60s! OCTA, KASKO, nelaimes gadījumu, ceļojumu un daudzas citas apdrošināšanas. Uzzini vairāk Balcia.lv!
Key services
OCTA insurance, KASKO insurance, Accident insurance, Travel insurance, Other insurance products
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, CSS, HTML5, Google Tag Manager, Microsoft Clarity, Cookiebot, Voiceflow chatbot, Maze analytics, Bing UET
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent implemented
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics, Microsoft Clarity, Hotjar, Maze
Tracking level
extensive
Privacy practices
basic

Advertising

Ad networks
Google AdSense, Meta Platforms, Adform
Tracking pixels
Hotjar, TikTok, Facebook Pixel, Bing UET
Marketing tools
Cookiebot, Voiceflow chatbot
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. Cookie consent mechanism is implemented with detailed cookie categories and descriptions.
  3. No explicit privacy policy or terms of service pages found in the provided content.
  4. No direct contact emails or phone numbers found in the HTML content.
  5. Multiple third-party analytics and advertising scripts are used, indicating extensive user tracking.
  6. Security headers and HTTPS are properly configured.
  7. WHOIS data unavailable due to query limit error; no registrar or domain age info extracted.
  8. Business appears to be a Latvian insurance provider with online services.
  9. No security.txt or vulnerability disclosure information found.
  10. No data protection officer contact information found.
Technical notes

Notes

The website uses a modern technology stack including JavaScript, CSS, and HTML5, with integrations of Google Tag Manager, Microsoft Clarity, Hotjar, and Cookiebot for analytics and consent management. The site is mobile optimized and shows good SEO practices with proper meta tags and Open Graph data. Performance is moderate, with asynchronous loading of scripts to improve speed. No CMS or hosting provider information was detected. The technical infrastructure supports a professional online insurance brokerage platform but could benefit from enhanced accessibility and formalized security disclosures.
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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