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Security report for capitalia.lv

Capitalia · Finance · Latvia

Medium risk. 7 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

65/100

Risk levelMedium

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

Capitalia is a financial services company specializing in providing accessible loans, investments, and advisory services to small and medium enterprises in the Baltic Sea region. Established in 2007, it has financed over 5000 businesses with investments exceeding EUR 100 million. The company positions itself as a leading financer in its market, offering flexible financing solutions as an alternative or addition to traditional bank loans. The website reflects a professional and consistent brand image with clear service offerings and client testimonials. Technically, the website employs a modern technology stack including jQuery, Google Tag Manager, Google Analytics, and CookieHub for cookie consent management. The site is mobile-optimized and demonstrates good SEO practices. Performance is moderate, with room for improvement in accessibility features. Security best practices such as HTTPS enforcement and CSRF protection are observed, though security headers and explicit security policies are absent. From a security perspective, the site shows a solid baseline with encrypted communications and cookie consent mechanisms. However, the lack of WHOIS data and absence of a published security policy or incident response contact reduce overall trust. No critical vulnerabilities or exposed sensitive data were detected. Privacy compliance is well addressed with GDPR-aligned cookie management and a comprehensive privacy policy. Overall, the website is trustworthy and professional but would benefit from improved transparency in domain registration and enhanced security disclosures. Strategic recommendations include publishing a security policy, implementing security headers, and verifying domain registration details to strengthen legitimacy and user trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
50/ 100 · Medium
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

7 findings rated critical or high. Fix these first.

  1. 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';…

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • 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

      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

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

Keep watching capitalia.lv

This scan found 21 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

€39.90one-time

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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
52
Security headers
20
Email security
82
DNS health
85
Network security
100
GDPR outside view
50
Average
65

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

Capitalia operates in the finance sector, targeting SMEs in the Baltic countries with a business model focused on lending, investment opportunities, and advisory services. Its competitive advantage lies in flexible financing solutions tailored for businesses underserved by traditional banks. The company leverages partnerships with banks, European institutions, and payment processors to enhance service delivery. Revenue streams likely include interest from loans, investment management fees, and advisory charges. The presence of multiple country-specific contact numbers indicates a regional operational footprint. Growth indicators include a large number of funded businesses and significant invested capital. The partnership ecosystem is robust, involving reputable financial and governmental organizations, which supports credibility and market reach.

Security posture

The website demonstrates a moderate to good security posture. HTTPS is enforced, and CSRF tokens are used in forms, indicating awareness of common web security practices. Cookie consent is managed via CookieHub, supporting GDPR compliance. However, the absence of key security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options is a gap that could expose the site to clickjacking or MIME sniffing attacks. No security.txt or vulnerability disclosure policy is published, limiting transparency and incident response readiness. WHOIS data is missing, which raises concerns about domain registration legitimacy. No evidence of exposed credentials or vulnerable libraries was found. Overall, the site is secure for typical user interactions but could improve in transparency and header security.

Recommendations

  1. Publish a comprehensive security policy and incident response contact information on the website.
  2. Implement and verify HTTP security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  3. Investigate and resolve the missing WHOIS domain registration data to improve domain legitimacy and trust.
  4. Establish a vulnerability disclosure program or publish a security.txt file to enhance transparency and security culture.
  5. Enhance accessibility features to improve compliance and user experience for all visitors.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Capitalia
Description
Capitalia is the leading financer for small and medium enterprises in the Baltic sea region. Operating since 2007, they have financed more than 5000 businesses investing over EUR 100 million in their development. They provide accessible loans and investments for sums up to EUR 1,000,000 and up to 5 year terms.
Key services
Financing, Investments, Advisory
Content quality
good
Branding
consistent

Technology

Stack
jQuery, Google Tag Manager, Google Analytics, Fathom Analytics, CookieHub, Typed.js, Bootstrap 3
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • CSRF token usage in forms
  • Cookie consent banner with granular controls

Analytics and tracking

Services
Google Analytics, Fathom Analytics, LinkedIn Insight
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google AdSense
Tracking pixels
LinkedIn Insight Tag, Fathom Analytics
Marketing tools
CookieHub
Transparency
good

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 challenges.
  2. WHOIS data is missing, which is unusual and reduces trust.
  3. Strong cookie consent and privacy compliance mechanisms are in place.
  4. Clear contact information with multiple country phone numbers and email provided.
  5. Multiple partner and trusted organization logos displayed.
  6. No security.txt or explicit security policy found.
  7. Use of modern analytics and marketing tools with transparent cookie management.
  8. Website content is finance-focused, targeting Baltic SMEs.
  9. No adult or questionable content detected.
Technical notes

Notes

The website uses a combination of jQuery, Bootstrap 3, Google Tag Manager, Google Analytics, Fathom Analytics, and CookieHub for cookie consent management. The site is responsive and mobile-optimized with a clear navigation structure. Performance is moderate, with asynchronous loading of analytics and marketing scripts. The site lacks a detected CMS, suggesting a custom or proprietary platform. Hosting provider details are not evident from the content. The use of modern analytics and marketing tools indicates a mature digital marketing approach. Technical debt is minimal but could be reduced by updating Bootstrap and jQuery versions. SEO is well addressed with meta tags and canonical links. Overall, the technical infrastructure supports business goals effectively but could benefit from modernization and enhanced security configurations.
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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