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Security report for capitalflow.ie

Capitalflow Group DAC · Finance · Ireland

High risk. 5 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

42/100

Risk levelHigh

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

Capitalflow Group DAC is a regulated Irish finance company specializing in providing fast and flexible business financing solutions to Irish businesses. Their offerings include equipment and vehicle finance, property finance, bridging finance, and an online finance calculator to facilitate quick quotes. The company positions itself as customer-centric, emphasizing real people making real decisions quickly. The website reflects a professional and consistent brand image with comprehensive content and clear navigation tailored to their target audience of Irish SMEs and property investors. Technically, the site is built on WordPress with modern plugins and frameworks, hosted on Cloudways, and integrates security features such as HTTPS, reCAPTCHA, and cookie consent mechanisms. Security posture is strong with room for improvement in HTTP security headers. Overall, the site demonstrates good digital maturity and compliance with GDPR and related privacy regulations. The domain registration data aligns well with the business claims, supporting legitimacy. Strategic recommendations include enhancing security headers, continuous vulnerability management, and improving accessibility compliance.

Scanned

NIS2 and GDPR posture

GDPR outside view
43/ 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

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

    • 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.

    • Critical

      No HTTPS Encryption

      Website does not use HTTPS encryption, making all data transmission vulnerable to interception

      What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS

  3. 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 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';…

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

Keep watching capitalflow.ie

This scan found 22 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
0
Security headers
30
Email security
70
DNS health
70
Network security
40
GDPR outside view
43
Average
42

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

Capitalflow operates in the Irish finance sector, targeting SMEs and property investors with tailored lending products. Their business model focuses on accessible, fast lending with a strong emphasis on customer service and digital engagement through an online portal and finance calculator. The company leverages partnerships with Zoho CRM and uses marketing tools like Google Tag Manager and iubenda for compliance. Testimonials and regulatory certifications bolster their market credibility. The company is medium-sized, founded around 2020, and maintains a consistent brand presence. Their content strategy includes a knowledge hub with articles and videos, supporting customer education and engagement. The partnership ecosystem includes a dedicated customer portal, enhancing service delivery.

Security posture

The website employs HTTPS with a good SSL configuration, uses Google reCAPTCHA to protect forms, and integrates a security hardening plugin. Cookie consent is managed via iubenda with granular controls, supporting GDPR compliance. However, explicit HTTP security headers like Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options are not detected, representing an area for improvement. No exposed sensitive data or vulnerable libraries were identified in the analysis. The site demonstrates a mature security culture with proactive measures but should enhance header policies and conduct regular security audits to maintain resilience.

Recommendations

  1. Implement comprehensive HTTP security headers including CSP, X-Frame-Options, and X-Content-Type-Options.
  2. Regularly update WordPress core, themes, and plugins to mitigate vulnerabilities.
  3. Conduct periodic penetration testing and vulnerability scanning.
  4. Enhance website accessibility to meet WCAG standards.
  5. Maintain transparent and up-to-date privacy and security policies.

Contact details published on the site

Addresses
Legal name
Capitalflow Group DAC
Registration number
574943
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Capitalflow Group DAC
Description
Capitalflow provides fast, flexible business finance options for Irish businesses. Get a quote online today
Key services
Business loans, Equipment and vehicle finance, Property finance, Bridging finance, Online finance calculator and quote
Content quality
good
Branding
consistent

Technology

Stack
WordPress, Yoast SEO plugin, Visual Composer Website Builder, Bootstrap 4, jQuery, Google reCAPTCHA, Zoho CRM integration, iubenda cookie solution, Owl Carousel
Frameworks
Bootstrap
Platforms
WordPress
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Google reCAPTCHA for forms
  • Use of security hardening plugin (wp-security-hardening)
  • Cookie consent banner with granular controls

Analytics and tracking

Services
Google Tag Manager, Zoho SalesIQ
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Zoho SalesIQ, Google reCAPTCHA
Marketing tools
Zoho CRM, iubenda Cookie Solution
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. Strong focus on Irish business finance market
  3. Multiple customer testimonials enhance trust
  4. Comprehensive privacy and cookie policies with consent mechanisms
  5. Use of modern web technologies and security plugins
  6. Clear contact information including phone, email, and physical addresses
  7. Integrated finance calculator and quote request forms
  8. No signs of blocking or WAF challenges
Technical notes

Notes

The website is built on WordPress CMS using Visual Composer for page building and Bootstrap 4 for responsive design. It integrates multiple third-party services including Zoho CRM, Google Tag Manager, and iubenda for cookie compliance. The hosting is provided by Cloudways, indicating a managed cloud hosting environment. Performance is moderate with use of lazy loading and CDN for fonts and scripts. The site is mobile optimized and SEO friendly with Yoast SEO plugin. Technical debt appears low, but some CSS and JavaScript could be optimized further. The site uses modern JavaScript libraries and asynchronous script loading to 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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