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Security report for bfaa.lv

Baltic Financial Advisors Association · Finance · Latvia

High risk. 8 critical or high findings in GDPR outside view, Security headers and 2 other checks.

Security score

48/100

Risk levelHigh

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

Baltic Financial Advisors Association (BFAA) is a non-profit organization focused on establishing and maintaining qualification and licensing systems for financial advisors and insurance intermediaries across the Baltic states of Latvia, Lithuania, and Estonia. The association collaborates with major regional banks and offers services including licensing support, continuing professional development, and client support. The website reflects a professional and regionally focused business with clear branding and consistent messaging. Technically, the website is built on WordPress with common plugins such as Yoast SEO and uses modern JavaScript libraries for form validation and UI effects. The site is mobile optimized and demonstrates good SEO practices. Security posture is adequate with HTTPS enforced and cookie consent implemented, though some security headers and explicit security policies are missing. No WHOIS data was available due to query limits, limiting domain registration verification. However, the website content and business information appear legitimate and consistent with a regional financial association. No suspicious or malicious content was detected, and privacy compliance is well addressed with clear policies and consent mechanisms. Overall, the website presents a trustworthy and professional front for BFAA, with recommendations to enhance security headers, publish security policies, and add vulnerability disclosure information to further strengthen trust and compliance.

Scanned

NIS2 and GDPR posture

GDPR outside view
28/ 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

8 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 Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

  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 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';…

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Keep watching bfaa.lv

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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
62
Security headers
15
Email security
85
DNS health
75
Network security
20
GDPR outside view
28
Average
48

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

BFAA occupies a niche position as a regional non-profit association providing licensing and qualification services for financial advisors in the Baltic region. Its partnerships with major banks such as Swedbank, SEB, and Luminor provide strong market credibility. The business model centers on education, licensing, and professional standards enforcement rather than direct financial services. The target customers are financial professionals and institutions requiring compliance with EU directives like MIFID II and IDD. Growth indicators include active news updates and expanding client base. The partnership ecosystem is robust with multiple Baltic financial institutions. The website supports business operations with multilingual content and client engagement forms.

Security posture

The website demonstrates a moderate to good security maturity level. HTTPS is enforced, and cookie consent is implemented, indicating awareness of privacy regulations. Use of nonce tokens in AJAX requests suggests protection against CSRF attacks. However, the absence of key security headers such as Content-Security-Policy and Strict-Transport-Security reduces defense-in-depth. No incident response or security policy pages are published, limiting transparency. No vulnerability disclosure or security.txt files are present. No exposed sensitive data or vulnerable libraries were detected in the HTML content. Overall, the security posture is adequate for a non-profit informational site but could be improved to meet higher compliance standards.

Recommendations

  1. Implement comprehensive security headers including Content-Security-Policy, X-Content-Type-Options, X-Frame-Options, and Strict-Transport-Security.
  2. Publish a dedicated security policy and incident response page to increase transparency and preparedness.
  3. Add a security.txt file to facilitate responsible vulnerability disclosure.
  4. Regularly audit and update third-party scripts and plugins to mitigate vulnerabilities.
  5. Enhance accessibility features and conduct periodic security training for site administrators.

Contact details published on the site

Addresses
Legal name
Baltic Financial Advisors Association
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Baltic Financial Advisors Association
Description
Baltic Financial Advisors Association (Baltijas Finanšu konsultantu asociācija) is a non-profit organization jointly established by Latvian, Lithuanian, and Estonian commercial bank associations to create and maintain a qualification and licensing system for individuals providing investment advisory and/or insurance mediation services offered by BFAA partner organizations.
Key services
Licensing support, Qualification training, CPD (Continuing Professional Development), Client support for financial advisory services
Content quality
good
Branding
consistent

Technology

Stack
WordPress, Yoast SEO plugin, jQuery, Parsley.js, Skrollr.js, Google Fonts (Playfair Display, Source Sans Pro)
Platforms
WordPress CMS
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism
  • No exposed sensitive data in HTML
  • Use of nonce tokens in AJAX calls

Analytics and tracking

Tracking level
minimal
Privacy practices
good

Advertising

Transparency
poor

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. WHOIS data unavailable due to query limit error.
  3. Website uses WordPress CMS with common plugins and scripts.
  4. Clear business focus on financial advisor licensing in Baltic states.
  5. Contact information and privacy/cookie policies are present and compliant.
  6. No security.txt or explicit security policy pages found.
  7. No analytics or advertising scripts detected.
  8. Good mobile optimization and SEO practices observed.
  9. No suspicious or malicious content detected.
Technical notes

Notes

The website is built on WordPress CMS version 6.7.2 with Yoast SEO plugin version 22.1, indicating a modern and widely supported platform. JavaScript libraries include jQuery, Parsley.js for form validation, and Skrollr.js for parallax effects. Google Fonts are used for typography. The site loads CSS and JS assets from its own domain, suggesting self-hosted resources. Performance is moderate with no obvious blocking scripts. Mobile optimization is good with responsive navigation menus. Accessibility is basic with some ARIA roles and screen reader text. SEO is well addressed with meta tags, Open Graph, and JSON-LD structured data. Hosting provider details are not disclosed. Overall, the technical infrastructure is solid but could benefit from enhanced security configurations and performance optimizations.
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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