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Security report for bonify.de

Forteil GmbH · Finance · Germany

Medium risk. 4 critical or high findings in GDPR outside view and SSL/TLS.

Security score

73/100

Risk levelMedium

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

bonify.de is a German financial technology platform operated by Forteil GmbH, specializing in credit management and financial fitness services. The company provides users with free and transparent access to their SCHUFA credit data, credit scores, and personalized financial insights. With over 2.5 million users and certifications from TÜV Saarland and BaFin, bonify holds a strong market position in Germany's finance sector. The platform offers a comprehensive suite of services including credit monitoring, tenant credit reports, contract management, and credit offers, targeting consumers seeking to improve their financial health. Technically, bonify employs modern web technologies such as React with Next.js, Prismic CMS, and Cloudflare for hosting and DNS. The site integrates various third-party services including Google Tag Manager, Usercentrics for cookie consent, and Adjust for app marketing. Performance is moderate with good mobile optimization and SEO practices. Privacy compliance is well addressed with GDPR-aligned policies and cookie consent mechanisms. From a security perspective, bonify uses SSL encryption and domain verification but lacks advanced DNS security features like DNSSEC and HSTS. The DMARC policy is set to none, which could be strengthened to reduce email spoofing risks. The presence of a responsible disclosure page indicates security awareness, though no explicit incident response contacts were found. Overall, bonify.de demonstrates a mature digital presence with strong business and security fundamentals. Opportunities exist to enhance DNS and email security configurations and to publish more explicit security policies and incident response information to further build user trust and compliance posture.

Scanned

NIS2 and GDPR posture

GDPR outside view
18/ 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

4 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

    • 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

  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 SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

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

Keep watching bonify.de

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

€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.

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Full report

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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
67
Security headers
85
Email security
85
DNS health
80
Network security
100
GDPR outside view
18
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

bonify operates in the German finance sector focusing on credit and financial fitness management. Its competitive advantage lies in providing free, real-time access to official SCHUFA credit data combined with personalized financial tools and offers. The business model includes free services to attract users and paid premium services such as tenant credit reports and credit prechecks. The company targets individual consumers, particularly those interested in monitoring and improving their creditworthiness. Strategic partnerships with SCHUFA and certification bodies like TÜV Saarland enhance credibility. The platform's growth is supported by a strong content strategy via its Academy and a mobile app presence. The company is headquartered in Berlin and founded in 2015, positioning itself as a trusted fintech innovator in Germany.

Security posture

bonify.de exhibits a solid security posture with SSL encryption, domain verification for multiple services, and cookie consent management aligned with GDPR. However, the absence of DNSSEC and HSTS reduces DNS and transport layer security robustness. The DMARC policy is set to none, which is permissive and could allow email spoofing. No CAA records are configured, missing an opportunity to restrict certificate issuance. The site uses Cloudflare for DNS and CDN, providing some protection against DDoS and other attacks. The presence of a responsible disclosure page indicates proactive vulnerability management. Incident response contacts are not publicly disclosed, which could hinder timely reporting and mitigation of security incidents. Overall, the security maturity is moderate with room for improvement in DNS security and email authentication policies.

Recommendations

  1. Enable HSTS with includeSubDomains and preload to enforce HTTPS and prevent downgrade attacks.
  2. Implement DNSSEC to protect DNS queries from spoofing and cache poisoning.
  3. Set a stricter DMARC policy (quarantine or reject) to reduce phishing and spoofing risks.
  4. Add CAA DNS records to restrict which certificate authorities can issue certificates for the domain.
  5. Publish explicit security policy and incident response contact information to improve transparency and facilitate vulnerability reporting.
Technical notes

Notes

bonify.de is built on a modern React-based framework (Next.js) with Prismic CMS for content management. Hosting and DNS are managed via Cloudflare, providing CDN and security benefits. The site uses multiple third-party services including Google Tag Manager, Usercentrics for cookie consent, and Adjust for app marketing. Performance is moderate with a page load time of approximately 6.7 seconds and a page size of about 700 KB, which is acceptable but could be optimized. Mobile optimization is good with responsive design and app store links. SEO is well implemented with meta tags, Open Graph, and canonical URLs. The technical stack is mature but could benefit from enhanced security configurations and performance tuning to reduce load times and improve user experience.
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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