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Security report for cabotcm.com

Cabot Credit Management · Finance · United Kingdom

Medium risk. 3 critical or high findings in Email security and SSL/TLS.

Security score

74/100

Risk levelMedium

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

Cabot Credit Management is a finance sector company specializing in debt purchase and credit management services, aiming to restore consumers' financial health. The website presents a professional image with clear branding and multiple subsidiaries across the UK and Europe, indicating a large enterprise with a broad market presence. The technical infrastructure includes modern web technologies and a cookie consent mechanism, reflecting a moderate level of digital maturity. Security posture is generally good with HTTPS enforced and cookie consent implemented, but lacks explicit security headers and published security policies. The absence of WHOIS data reduces transparency but does not detract significantly from the overall legitimacy given the professional content and corporate affiliations. Strategic recommendations include enhancing security headers, publishing security policies, and improving contact information visibility.

Scanned

NIS2 and GDPR posture

GDPR outside view
88/ 100 · Low
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. Email security

    SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.

    • Critical

      No email authentication configured

      Domain is vulnerable to email spoofing

      What to do: Implement SPF, DKIM, and DMARC immediately

  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
    • 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 cabotcm.com

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.

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

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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
42
Security headers
80
Email security
60
DNS health
75
Network security
100
GDPR outside view
88
Average
74

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

Cabot Credit Management operates in the finance industry with a focus on credit management and debt purchase. It targets consumers and businesses requiring financial health restoration services. The company maintains multiple subsidiaries in various European countries, suggesting a diversified and geographically spread business model. The website's linkage to Encore Capital Group's career portal indicates a corporate relationship, enhancing market credibility. The business model relies on purchasing debt portfolios and managing credit recovery, positioning itself as a key player in the UK and European financial services market. The presence of awards and accreditations further supports its competitive advantage and trustworthiness.

Security posture

The website demonstrates a good security baseline with HTTPS enabled and a cookie consent mechanism compliant with GDPR. However, it lacks visible security headers such as Content Security Policy, HSTS, and X-Frame-Options, which are recommended best practices. No vulnerability disclosures or incident response contacts are published, which could be improved to enhance transparency and readiness. The absence of direct contact emails or phone numbers for security or general inquiries limits immediate communication channels. Overall, the security posture is adequate but could benefit from enhancements in header implementation and published security policies.

Recommendations

  1. Implement comprehensive security headers including CSP, HSTS, and X-Frame-Options.
  2. Publish a dedicated security policy and incident response contact information.
  3. Add a vulnerability disclosure or security.txt file to encourage responsible reporting.
  4. Improve accessibility features to enhance compliance and user experience.
  5. Make direct contact emails and phone numbers more visible for customer and security inquiries.

Contact details published on the site

Registration number
4934534
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Cabot Credit Management
Description
Cabot Credit Management helps make credit accessible by partnering with consumers to restore their financial health.
Key services
Debt purchase, Credit management, Financial health restoration
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, CSS3, HTML5, CookiePro Consent Management
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • Cookie consent implemented

Analytics and tracking

Tracking level
minimal
Privacy practices
good

Advertising

Tracking pixels
CookiePro
Marketing tools
CookiePro Consent Management
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and content-rich.
  2. Cookie consent and privacy policies are implemented.
  3. WHOIS data is missing or not publicly available, which reduces transparency.
  4. No direct contact emails or phone numbers found in the HTML; contact is via form.
  5. No explicit security policy or incident response information published.
  6. Multiple subsidiaries and business units are clearly presented.
  7. No signs of adult or questionable content.
  8. No WAF or blocking detected; site fully accessible.
Technical notes

Notes

The website uses standard modern web technologies including HTML5, CSS3, and JavaScript, with integration of CookiePro for consent management. The site is mobile optimized and has good SEO practices with proper meta tags and canonical links. No CMS or hosting provider is explicitly detected. Performance is moderate with some room for optimization. Accessibility is basic but could be improved. The technical stack is stable and supports the business needs effectively, though adding security headers and improving accessibility would reduce technical risks.
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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