Skip to main content

Security report for belfius.be

Belfius Bank · Finance · Belgium

Low risk. 3 critical or high findings in GDPR outside view and SSL/TLS.

Security score

78/100

Risk levelLow

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

Belfius Bank is a 100% Belgian bankinsurer providing financial solutions to individuals, entrepreneurs, and public or social profit institutions. The website targets investors and financial analysts with dedicated sections for company profile, press releases, reports, results, ratings, and debt issuance. The site is professionally designed with multi-language support and a clear focus on compliance and user experience. Technically, the site uses modern web technologies including JavaScript, CSS, and integrates OneTrust for cookie consent management, indicating a mature approach to privacy and GDPR compliance. Security posture is adequate with HTTPS usage and cookie consent, but lacks visible advanced security headers or explicit security policies. WHOIS data is restricted due to DNS Belgium policies, which is typical for .be domains, but the domain appears legitimate and consistent with the business claims. Overall, the site is professional, trustworthy, and compliant with privacy regulations, suitable for its financial services audience.

Scanned

NIS2 and GDPR posture

GDPR outside view
55/ 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

3 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

  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

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

Keep watching belfius.be

This scan found 17 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.

Billed monthly to your card. Cancel anytime. The full timeline opens with your unlock code.

Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • Lifetime access to this report

Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

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
78
DNS health
85
Network security
100
GDPR outside view
55
Average
78

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

Belfius Bank operates in the banking and insurance sector in Belgium, serving a broad audience including young individuals, entrepreneurs, and institutional clients. The business model focuses on providing tailored financial solutions and maintaining transparency with investors through dedicated information portals. The company leverages a strong brand presence and consistent messaging across languages. The website's integration with OneTrust for cookie management reflects a commitment to privacy compliance. No direct contact information or social media links were found on this page, suggesting contact details may be located elsewhere or require authenticated access. The absence of WHOIS data is consistent with registry privacy policies and does not detract from the company's credibility. The site does not appear to engage in aggressive advertising or tracking beyond necessary compliance tools.

Security posture

The website employs HTTPS, ensuring encrypted communications, and uses OneTrust for cookie consent management, supporting GDPR compliance. However, no explicit security headers such as Content-Security-Policy, X-Frame-Options, or X-Content-Type-Options were detected in the provided data, which could enhance protection against common web attacks. There is no visible security policy or incident response contact information, which are best practices for financial institutions. No forms or input fields were found on this page, reducing attack surface. The WHOIS data is restricted, which is common and acceptable for this sector. Overall, the security posture is solid but could be improved by publishing security policies and implementing additional HTTP security headers.

Recommendations

  1. Implement and verify HTTP security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to enhance protection.
  2. Publish a clear security policy and provide incident response contact information on the website.
  3. Ensure all pages have accessible and clearly labeled contact information including support and security contacts.
  4. Regularly audit third-party scripts and libraries to avoid vulnerabilities.
  5. Maintain transparency on data retention policies and update cookie consent mechanisms as regulations evolve.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Belfius Bank
Description
Welkom bij Belfius Bank, (jonge) particulier, ondernemer, of openbare of socialprofitinstelling! Welk project u ook hebt, bij ons vindt u de financiële oplossing. Bienvenue chez Belfius Banque où (jeunes) particuliers, entrepreneurs, institutions publiques ou sociales trouveront une solution financière à leurs projets.
Key services
financial solutions for individuals, services for entrepreneurs, services for public and social profit institutions, investor relations information
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, CSS, HTML5, OneTrust Cookie Consent, js-cookie library
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
75/100
Good practices seen
  • Use of HTTPS (implied by URL)
  • Cookie consent mechanism implemented

Analytics and tracking

Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
OneTrust
Marketing tools
OneTrust Cookie Consent
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 challenge.
  2. Content is professional and targeted at investors and financial analysts.
  3. Cookie consent is implemented with OneTrust, indicating GDPR compliance.
  4. WHOIS data is restricted by DNS Belgium policy, no registrar or dates available.
  5. No contact emails or phone numbers explicitly found on this page.
  6. No security.txt or explicit security policy found.
  7. No forms present on this page for data collection.
  8. No social media links detected on this page.
  9. Website supports multiple languages (EN, FR, NL).
Technical notes

Notes

The website uses standard web technologies including HTML5, CSS, and JavaScript, with integration of OneTrust for cookie consent management and js-cookie library for cookie handling. The site is multi-lingual and mobile-optimized with responsive design. Performance is moderate with no evident blocking or errors. No CMS or hosting provider information was detected. The site lacks visible advanced frameworks or platforms but is technically sound for its purpose. Accessibility features such as ARIA roles and keyboard navigation hints are present, indicating attention to inclusive design. SEO is supported by meta tags and structured navigation. Opportunities exist to enhance security headers and provide more explicit technical documentation.
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

Reviews of this site

Share your experience with belfius.be. Every review is verified by email and published after moderation.

Overall rating
Select a rating
4000 characters remaining

We’ll email you to confirm your review and keep your details private.

Community rating

No published reviews yet. Be the first to review belfius.be.

Feedback on this report

Rate this report, add an optional comment, and tell us if you want a security specialist to follow up.

Overall report quality
Select a rating
2000 characters remaining

We only use your feedback to improve Guard reports. Contact details are never shared.