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Security report for centraalbeheer.nl

Centraal Beheer · Finance · Netherlands

Low risk. 5 critical or high findings in GDPR outside view.

Security score

78/100

Risk levelLow

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

Centraal Beheer is a well-established Dutch insurance and financial services company with over 115 years of history, operating under the parent company Achmea. The website offers a comprehensive range of services including insurance, investing, savings, pensions, mortgages, and related financial products targeting both private individuals and businesses. The site is professionally designed with excellent content quality, clear navigation, and strong branding consistency. Technically, the site uses a modern tech stack including ASP.NET, Azure services, and multiple analytics and marketing tools, indicating a mature digital infrastructure. However, a critical security issue is present due to an invalid SSL certificate and lack of enabled TLS protocols, which significantly impacts the security posture. Privacy and cookie policies are present and GDPR compliant, with clear consent mechanisms. Contact information is accessible primarily via phone and chat, with no direct emails exposed. Overall, the site is trustworthy and professional but requires urgent remediation of SSL issues to ensure secure user interactions.

Scanned

This is an earlier scan of centraalbeheer.nl. View the latest report

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

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

      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 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 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

    • High

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, Twitter, LinkedIn, YouTube

      What to do: Document all third-party data sharing in your privacy policy

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

Keep watching centraalbeheer.nl

This scan found 10 issues across 5 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
90
Security headers
90
Email security
100
DNS health
90
Network security
100
GDPR outside view
0
Average
78

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

Centraal Beheer holds a strong market position in the Dutch financial services sector, leveraging its long history and affiliation with Achmea. The business model focuses on providing a broad portfolio of insurance and financial products to both private and business customers. The company uses extensive digital marketing and analytics tools to optimize customer engagement and service delivery. The presence of certifications like WijzerInGeldzaken and Thuiswinkel further enhances trust. The website content and structure support customer self-service and information discovery, indicating a customer-centric approach. The company’s digital ecosystem includes partnerships and integrations with multiple third-party services for analytics, marketing, and customer support.

Security posture

The website implements several security best practices including strict Content Security Policy, HSTS with subdomain inclusion, and secure cookie flags. However, the absence of a valid SSL certificate and disabled TLS protocols represent a critical vulnerability that exposes users to potential man-in-the-middle attacks and data interception. No known vulnerabilities like Heartbleed or POODLE are detected, and no WAF blocking is present. The site lacks OCSP stapling and session resumption features, which could improve security and performance. Incident response and vulnerability disclosure mechanisms are not evident. Overall, the security posture is moderate but compromised by the SSL issues, requiring immediate attention to restore trust and compliance.

Recommendations

  1. Urgently fix and maintain a valid SSL/TLS certificate and enable TLS 1.2 or 1.3 protocols.
  2. Implement OCSP stapling and session resumption to enhance security and performance.
  3. Establish and publish a vulnerability disclosure policy and incident response contact information.
  4. Regularly audit third-party scripts and tracking tools to minimize privacy risks and improve compliance.
  5. Enhance transparency around data retention policies and provide clearer DPO contact details.

Contact details published on the site

Addresses
Technical notes

Notes

The website is built on ASP.NET and likely uses the Magnesia CMS platform, hosted on Microsoft Azure infrastructure with Cloudfront and Imgix CDNs for content delivery. It employs a wide range of modern analytics and marketing technologies including Google Analytics, Relay42, Contentsquare, Usabilla, and Microsoft Application Insights. The site is mobile-optimized and accessible, with good SEO practices including structured data and meta tags. Performance data is not available, but the use of CDNs and preloading fonts suggests optimization efforts. The invalid SSL certificate is a major technical risk. The site uses advanced Content Security Policy headers to restrict resource loading, enhancing security against XSS and related attacks.
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

Earlier scans of this domain

  1. 78/100 +1Low17 findingsView report
  2. 77/100Low18 findingsView report
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