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Security report for captumgroup.se

Captum Group · Finance · Sweden

High risk. 9 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

40/100

Risk levelHigh

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

Captum Group is a Swedish finance company specializing in flexible online payment solutions, including invoice payments and installment plans. The company targets Swedish consumers seeking convenient payment options and is preparing for a merger with Lea bank in early 2025. The website is built on WordPress with multilingual support and integrates common web technologies such as jQuery, Google reCAPTCHA, and Google Tag Manager. While the site is professionally designed and provides clear service information and contact details, it lacks explicit security policies and cookie consent mechanisms. The security posture is moderate with room for improvement in headers and incident response transparency. Overall, the website is trustworthy and functional but would benefit from enhanced security and privacy compliance measures.

Scanned

NIS2 and GDPR posture

GDPR outside view
0/ 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

9 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

    • Critical

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

  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 X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

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

Keep watching captumgroup.se

This scan found 25 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
0
Security headers
15
Email security
60
DNS health
65
Network security
100
GDPR outside view
0
Average
40

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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention captumgroup.se, from OffSeq Breach.

No leaked records found

Breach holds no records for captumgroup.se right now. New leaks arrive continuously, so monitoring on Breach alerts you if that changes.

Monitor on Breach (opens in a new tab)

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Captum operates in the finance sector as a payment service provider with a regional presence in Sweden and sister sites in Norway and Denmark. Its business model focuses on consumer credit facilitation through invoice and installment payment options. The upcoming merger with Lea bank suggests strategic growth and consolidation. The company maintains a professional online presence with clear service offerings and customer support channels. However, the absence of certifications and detailed security policies indicates potential areas for strengthening business credibility. The partnership ecosystem includes regional sister sites and a dedicated customer login portal, supporting a cohesive service delivery framework.

Security posture

The website employs Google reCAPTCHA to protect forms from spam and integrates Google Tag Manager for analytics. However, no explicit security headers such as Content-Security-Policy or Strict-Transport-Security were detected, which are important for mitigating common web vulnerabilities. The SSL/TLS configuration details were not provided, limiting assessment of encryption strength. There is no visible security or incident response policy, nor a vulnerability disclosure or security.txt file, which are best practices for transparency and compliance. The site’s privacy and cookie policies exist but lack active consent mechanisms. Overall, the security maturity is moderate but could be significantly improved by implementing recommended headers, enhancing privacy controls, and publishing clear security policies.

Recommendations

  1. Implement comprehensive security headers including Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security to enhance protection against common attacks.
  2. Deploy a cookie consent banner to comply with GDPR and improve user privacy transparency.
  3. Publish a dedicated security policy and incident response contact information to build trust and readiness.
  4. Regularly audit SSL/TLS configuration to ensure strong encryption and prevent vulnerabilities.
  5. Enhance accessibility features and conduct usability testing to improve user experience for all visitors.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Captum Group
Description
Captum offers simple and flexible online payment solutions including invoice payments and installment plans, targeting customers who want to pay later or split payments.
Key services
Betala med faktura, Dela upp din betalning, Kundservice
Content quality
good
Branding
consistent

Technology

Stack
WordPress, jQuery, Contact Form 7, Google reCAPTCHA, FontAwesome, Google Tag Manager, js-cookie
Frameworks
WPML (WordPress Multilingual Plugin)
Platforms
WordPress CMS
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
60/100
Good practices seen
  • Use of Google reCAPTCHA for forms
  • Google Tag Manager integration

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
basic

Advertising

Marketing tools
js-cookie
Transparency
basic

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. Content is primarily in Swedish targeting Swedish consumers.
  3. Clear announcement of merger with Lea bank effective 2 January 2025.
  4. Use of standard WordPress plugins and technologies.
  5. Contact information is clearly provided with phone and email.
  6. No explicit security or incident response policies found.
  7. No cookie consent banner despite cookie policy page.
  8. No visible social media links on the homepage.
  9. Use of Google reCAPTCHA for spam protection on forms.
  10. No structured data (JSON-LD or Open Graph) detected in the HTML.
Technical notes

Notes

The website is built on WordPress CMS with multilingual support via WPML, using standard plugins such as Contact Form 7 and Google reCAPTCHA for form security. The tech stack includes jQuery and FontAwesome for UI elements, and Google Tag Manager for analytics and marketing. Performance is moderate with no explicit indicators of slow loading but could benefit from optimization. The site is mobile responsive with good navigation clarity and consistent branding. However, the lack of advanced security headers and cookie consent mechanisms indicates technical debt in security and privacy compliance. Modernization opportunities include enhancing security configurations, improving accessibility, and implementing privacy-by-design features.
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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