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Security report for bayo.ch

BAYO Solutions AG · Finance · Switzerland

Medium risk. 5 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

62/100

Risk levelMedium

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

BAYO Solutions AG operates a specialized cloud-based CRM platform tailored for insurance brokers, fiduciary companies, and law firms primarily in Switzerland. Their solution focuses on enhancing customer relationship management and secure data exchange, positioning them as a niche player in the Swiss financial and legal technology sectors. The website reflects a professional and consistent brand image with clear contact channels and partner affiliations. Technically, the site uses modern web standards, including HTML5, CSS3, and JavaScript, with Google Tag Manager for analytics. The CMS identified is MoveCMS, indicating a custom or specialized content management approach. Security-wise, the site enforces HTTPS and displays a CyberSeal certification, signaling adherence to cybersecurity best practices. However, there is room for improvement in publishing explicit security policies and headers. Overall, the website is well-structured, mobile-optimized, and compliant with GDPR through visible privacy and cookie policies.

Scanned

NIS2 and GDPR posture

GDPR outside view
68/ 100 · Medium
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. 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';…
  2. GDPR outside view

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

    • 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 bayo.ch

This scan found 18 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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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
95
Security headers
20
Email security
90
DNS health
80
Network security
20
GDPR outside view
68
Average
62

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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention bayo.ch, from OffSeq Breach.

Total records
7
Employees
0
Customers
7
Third parties
0
Weak passwords
0%

1 subdomain affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for bayo.ch.

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Breach keeps ingesting new leaks, so these numbers can grow between scans.

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

BAYO Solutions AG targets a specialized market segment, offering SaaS CRM solutions to insurance brokers, fiduciary firms, and legal professionals. Their business model revolves around cloud software subscriptions, supported by a network of partners that enhance their service ecosystem. The presence of multiple Swiss-based partners and certifications like CyberSeal strengthens their market credibility. The company maintains professional contact information and a clear digital presence, suggesting a stable small-sized enterprise focused on quality and compliance. Their growth potential is supported by digital transformation trends in financial and legal services. The partnership ecosystem and certification indicate strategic positioning to build trust and competitive advantage.

Security posture

The website demonstrates a mature security posture with HTTPS enforced and CyberSeal certification validating technical and organizational security measures. The cookie consent mechanism aligns with privacy regulations, and no critical vulnerabilities or exposed sensitive data were detected in the HTML content. However, the absence of explicit security headers (e.g., Content-Security-Policy) and lack of a published incident response or vulnerability disclosure policy represent areas for enhancement. The site does not expose forms on the homepage, reducing attack surface. Overall, the security maturity is good but could benefit from formalized policies and additional technical controls.

Recommendations

  1. Publish a dedicated incident response policy and provide a security contact email to improve transparency and readiness.
  2. Implement and configure security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security to enhance protection against common web attacks.
  3. Create and publish a vulnerability disclosure policy or security.txt file to encourage responsible reporting of security issues.
  4. Enhance accessibility features to meet higher compliance standards and improve user experience for all visitors.
  5. Regularly audit and update third-party scripts and dependencies to mitigate risks from vulnerable libraries.

Contact details published on the site

Addresses
Legal name
BAYO Solutions AG
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
BAYO Solutions AG
Description
BAYO is a modern cloud-based CRM solution specialized for insurance brokers, fiduciary companies, and law firms, facilitating digital customer relationship management and secure data exchange.
Key services
Cloud-based CRM, Customer interaction management, Secure data exchange
Content quality
good
Branding
consistent

Technology

Stack
HTML5, CSS3, JavaScript, Google Tag Manager
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent banner
  • CyberSeal certification indicating technical and organizational measures

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
Google Analytics (via Google Tag Manager)
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 no blocking or WAF challenges.
  2. Content is in German and targeted at Swiss financial and legal sectors.
  3. Clear cookie consent mechanism is implemented.
  4. CyberSeal certification is prominently displayed indicating cybersecurity compliance.
  5. Contact information is complete and professional.
  6. No forms detected on the homepage; contact is via email and phone links.
  7. Google Tag Manager is used for analytics and tracking.
  8. Multiple partner domains are linked and displayed with logos.
  9. No security.txt or vulnerability disclosure policy found.
  10. No explicit security headers detected in HTML content.
Technical notes

Notes

The website is built on a modern tech stack with HTML5, CSS3, and JavaScript, managed via MoveCMS. Google Tag Manager is used for analytics and tracking, indicating a moderate level of digital maturity. The site is mobile-optimized with responsive images and viewport settings. Performance is moderate, with no evident broken elements or errors. SEO is supported by canonical tags and Open Graph metadata. However, no advanced frameworks or platforms were detected, suggesting a straightforward implementation. Hosting provider details are not disclosed. Technical risks are minimal but could be reduced by adding security headers and formalizing security policies.
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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