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Security report for belfius.com

Belfius · Finance · Belgium

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

Security score

73/100

Risk levelMedium

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

Belfius is a major Belgian bank-insurer offering a wide range of financial services including retail, private banking, business, corporate, and public & social banking. The website serves as a corporate information portal targeting investors, customers, and the general public interested in Belfius' corporate governance, news, and community involvement. Technically, the site is built on Adobe Experience Manager CMS and integrates Adobe DTM for tag management and OneTrust for cookie consent, reflecting a mature digital infrastructure. The site is mobile optimized and well-structured with good SEO practices. Security-wise, the site uses HTTPS and cookie consent mechanisms but lacks visible security headers and published security policies or vulnerability disclosures. WHOIS data is unavailable due to registry restrictions, but the site shows strong legitimacy through branding and content. Overall, the site is professional, trustworthy, and compliant with privacy norms, though it could improve transparency on security policies and incident response.

Scanned

NIS2 and GDPR posture

GDPR outside view
40/ 100 · High
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

      Third-party services without privacy policy

      Detected services: Facebook, Twitter, LinkedIn, YouTube

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

  2. 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 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';…

  3. 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.com

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.

Daily monitoring

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
77
Security headers
55
Email security
78
DNS health
85
Network security
100
GDPR outside view
40
Average
73

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 holds a strong market position in the Belgian financial sector as a bank-insurer with diversified services. Its business model focuses on serving retail, private wealth, business, corporate, and public sectors. The website reflects a well-established brand with consistent messaging and multiple language options, indicating a broad target audience. The presence of investor relations and press room sections suggests active engagement with stakeholders. The company leverages Adobe's marketing and analytics tools, indicating investment in digital marketing and data-driven decision-making. No suspicious or unrelated domains are linked, reinforcing a focused partnership ecosystem.

Security posture

The website demonstrates a moderate security posture with HTTPS enforced and cookie consent implemented via OneTrust, supporting GDPR compliance. However, the absence of visible security headers (e.g., CSP, HSTS) and lack of published security or incident response policies indicate areas for improvement. No vulnerability disclosure or security.txt file was found, which is recommended for transparency and responsible vulnerability management. The WHOIS data is privacy protected, which is common for financial institutions but limits external verification. Overall, the security posture is adequate but could be enhanced by adopting additional best practices and publishing security-related information.

Recommendations

  1. Implement and verify HTTP security headers such as Content-Security-Policy, Strict-Transport-Security, X-Frame-Options, and X-Content-Type-Options.
  2. Publish a clear security policy and incident response contact information on the website to improve transparency and trust.
  3. Establish a vulnerability disclosure program or security.txt file to facilitate responsible reporting of security issues.
  4. Enhance accessibility features to improve compliance with standards and user experience for all visitors.
  5. Regularly review and update privacy and cookie policies to ensure full GDPR compliance and clear communication to users.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Belfius
Description
Belfius is a bank-insurer providing financial services including retail, private banking, business, corporate, and public & social banking in Belgium.
Key services
Retail banking, Private & Wealth banking, Business banking, Corporate banking, Public & Social banking, Investor relations
Content quality
good
Branding
consistent

Technology

Stack
Adobe DTM (Dynamic Tag Manager), OneTrust Cookie Consent, jQuery (implied by $ usage), JSON-LD structured data
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS usage implied by URL
  • Cookie consent banner implemented

Analytics and tracking

Services
Adobe Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Adobe Analytics (AppMeasurement.min.js), Adobe DTM
Marketing tools
Adobe DTM, OneTrust Cookie Consent
Transparency
good

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
excellent
Trustworthiness
high

Key observations

  1. Website is fully accessible with no blocking or WAF challenge
  2. Uses Adobe Experience Manager CMS
  3. Implements cookie consent with OneTrust
  4. Includes structured data with organization and contact info
  5. No visible forms on the analyzed page
  6. No explicit email addresses found in HTML content
  7. Phone numbers for customer service in Dutch and French found in JSON-LD
  8. Social media links to Facebook, Twitter, LinkedIn, YouTube present
  9. No security.txt or vulnerability disclosure found
  10. No explicit privacy policy or terms of service links found on this page
Technical notes

Notes

The website is built on Adobe Experience Manager CMS, leveraging Adobe DTM for tag management and Adobe Analytics for data collection. OneTrust is used for cookie consent management, indicating compliance with privacy regulations. The site is mobile responsive with adaptive images and media queries for different screen sizes. Performance appears moderate with asynchronous loading of scripts. The site structure is clear with well-organized navigation and semantic HTML elements. No major technical debt or deprecated technologies were detected. Opportunities exist to improve security headers and accessibility compliance.
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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