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Security report for banquedesterritoires.fr

Banque des Territoires, Groupe Caisse des dépôts · Finance · France

Medium risk. 5 critical or high findings in GDPR outside view.

Security score

70/100

Risk levelMedium

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

Banque des Territoires is a key public financial institution under the Groupe Caisse des Dépôts, dedicated to supporting territorial actors in France through loans, investments, engineering, and advisory services focused on public interest projects and sustainable development. The website reflects a mature digital presence with comprehensive content targeting multiple stakeholder groups including local authorities, public enterprises, social housing, legal professions, and financial actors. Technically, the site is built on Drupal CMS, uses modern JavaScript libraries, and integrates consent management and analytics tools, demonstrating good digital maturity. Security posture is generally strong with multiple security headers and HSTS enabled; however, a critical issue is the invalid or missing SSL certificate which undermines trust and security. Privacy compliance is well addressed with clear privacy and cookie policies and consent mechanisms. Overall, the site is professional, trustworthy, and well-structured but requires urgent SSL certificate remediation to improve security and user trust.

Scanned

This is an earlier scan of banquedesterritoires.fr. View the latest report

NIS2 and GDPR posture

GDPR outside view
0/ 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

5 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

    • 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

    • High

      Third-party services without privacy policy

      Detected services: LinkedIn, YouTube, Cloudflare

      What to do: Document all third-party data sharing in your privacy policy

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

Keep watching banquedesterritoires.fr

This scan found 19 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.

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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
95
Security headers
70
Email security
70
DNS health
85
Network security
100
GDPR outside view
0
Average
70

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 Banque des Territoires operates as an essential public finance entity focused on territorial development and sustainability in France. It leverages a diversified portfolio of financial products and services including short and long-term loans, equity investments, and engineering support. Its market position is strong as a government-backed institution with a broad ecosystem of partners and subsidiaries. The website content and linked domains indicate a well-established partnership network with related entities under the Caisse des Dépôts umbrella. The business model emphasizes public interest and sustainable development, targeting a wide range of territorial stakeholders. Growth indicators include active management of national programs and thematic offers aligned with climate adaptation and social cohesion. The digital presence supports engagement through social media and provides extensive resources and event information, reinforcing its role as a thought leader in territorial finance.

Security posture

The website demonstrates a moderate to good security maturity level with implementation of key HTTP security headers such as Content Security Policy, X-Content-Type-Options, X-XSS-Protection, and HSTS with preload and includeSubDomains. The use of Imperva CDN/WAF adds a layer of protection. However, the SSL certificate is currently invalid or missing, which is a critical vulnerability that can expose users to man-in-the-middle attacks and reduce trust. OCSP stapling and session resumption are not enabled, which could impact SSL performance and security. No known vulnerabilities such as Heartbleed or POODLE are present. The site uses third-party scripts and libraries, but no vulnerable versions were detected. Privacy compliance is strong with consent management in place. Incident response and security policy documents are not publicly found, indicating potential gaps in transparency. Overall, the security posture is good but requires immediate SSL certificate renewal and enhancement of SSL features.

Recommendations

  1. Renew and properly configure the SSL/TLS certificate to ensure HTTPS security and user trust.
  2. Enable OCSP stapling and session resumption to improve SSL performance and security.
  3. Review and tighten Content Security Policy to reduce reliance on 'unsafe-inline' scripts and styles.
  4. Publish clear security policy and incident response information to enhance transparency and trust.
  5. Continue regular audits of third-party scripts and libraries to prevent vulnerabilities.
Technical notes

Notes

The website is built on Drupal CMS with a modern front-end stack including JavaScript libraries for UI components and lazy loading images. It uses Font Awesome for icons and integrates Mapbox for mapping services. Hosting and CDN services are provided by Imperva, which also provides WAF capabilities. Performance is moderate with room for improvement, especially in load times and resource optimization. The site is mobile optimized and includes accessibility features such as skip links and configurable contrast and font settings. SEO is well addressed with meta tags, canonical links, and structured navigation. Technical risks include the invalid SSL certificate and lack of advanced SSL features. The site is well maintained with consistent branding and professional design.
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

Earlier scans of this domain

  1. 71/100Medium28 findingsView report
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