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Security report for banquedesterritoires.fr

Banque des Territoires · Government · France

Medium risk. 5 critical or high findings in GDPR outside view and SSL/TLS.

Security score

71/100

Risk levelMedium

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

Banque des Territoires is a major French public financial institution affiliated with Groupe Caisse des Dépôts, focused on supporting territorial actors in project development and financing. The website reflects a professional and comprehensive digital presence with clear navigation, modern technologies, and strong GDPR compliance. The technical infrastructure is based on Drupal CMS with integration of consent management and analytics tools, indicating a mature digital setup. Security posture is good with HTTPS, consent mechanisms, and no visible vulnerabilities, though explicit security policies and incident response contacts are not found. The absence of WHOIS data reduces trust slightly but the website's affiliation and content quality support legitimacy. Overall, the site is well-positioned to serve its public sector audience with relevant financial and territorial services.

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

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

      Third-party services without privacy policy

      Detected services: LinkedIn, YouTube, Cloudflare

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

  2. 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 Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

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Keep watching banquedesterritoires.fr

This scan found 20 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
77
Security headers
70
Email security
70
DNS health
85
Network security
100
GDPR outside view
25
Average
71

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 in government and finance sectors, providing loans, investments, and digital services to public and territorial actors. Its market position is strong as part of the Groupe Caisse des Dépôts. The business model revolves around public financing and territorial development programs. The website targets local governments, legal professions, and public actors, offering a broad range of services including short and long-term loans, investment programs, and digital tools. The presence of structured content, program descriptions, and resource hubs indicates a well-established partnership ecosystem and strategic focus on territorial innovation and sustainability.

Security posture

The website demonstrates a solid security posture with enforced HTTPS, presence of security headers, and GDPR-compliant consent management. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, explicit security policies, incident response information, and vulnerability disclosure mechanisms are not publicly available, which could be improved to enhance transparency and readiness. The use of third-party scripts is controlled, but continuous monitoring is recommended. Overall, the security maturity is good for a public institution website, with room for improvement in documented policies and incident handling.

Recommendations

  1. Publish a dedicated security policy and incident response contact information on the website.
  2. Implement and disclose a vulnerability disclosure program or security.txt file.
  3. Ensure all web forms have robust input validation and CSRF protections.
  4. Regularly audit third-party scripts and update them to mitigate vulnerabilities.
  5. Enhance transparency by providing data retention policies and detailed privacy notices.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Banque des Territoires
Description
La Banque des Territoires accompagne les acteurs territoriaux dans l’élaboration et le déploiement de leurs projets d’avenir.
Key services
Loans (short, medium, long term), Investments, Engineering territorial services, Digital services, Consignations, Banking services
Content quality
good
Branding
consistent

Technology

Stack
Drupal CMS, Font Awesome, LazySizes (lazy loading images), Didomi Consent Management, Matomo Analytics
Frameworks
Drupal
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Consent management for cookies
  • No exposed sensitive data found in HTML

Analytics and tracking

Services
Matomo
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Matomo
Marketing tools
Didomi Consent Management
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 and navigation
  2. No WHOIS data available, which is unusual for a large public institution domain
  3. Strong GDPR and cookie consent implementation
  4. Professional design and consistent branding
  5. No security blocking or WAF challenge detected
  6. No explicit contact emails or phone numbers found in provided snippet
  7. Use of modern web technologies and analytics tools
Technical notes

Notes

The website uses Drupal CMS with modern front-end technologies including lazy loading images and Font Awesome icons. Consent management is handled by Didomi, and analytics are performed via Matomo, indicating a privacy-conscious approach. The site is mobile-optimized and accessible with skip links and ARIA attributes. Performance is moderate, with asynchronous loading of scripts to improve speed. The technical stack is modern and well-maintained, though hosting provider details are not explicit. SEO and accessibility practices are good, supporting a positive user experience and compliance with standards.
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. 70/100Medium26 findingsView report
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