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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 provider with over 115 years of history, operating under the parent company Achmea. The website offers a comprehensive range of services including insurance products, investment options, savings accounts, pensions, and mortgages, targeting both private individuals and businesses. The site is professionally designed with excellent content quality, clear navigation, and strong branding consistency. Technically, the website uses a modern tech stack including Sitecore CMS, Azure hosting, and various marketing and analytics tools, though performance metrics are not available. Security posture is moderate; while several security headers are implemented, the SSL certificate is invalid or missing, and no modern TLS protocols are enabled, which poses a significant risk. Privacy compliance is good with clear privacy and cookie policies and GDPR adherence. Overall, the domain registration and WHOIS data align well with the business claims, indicating legitimacy and trustworthiness.

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

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.

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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
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 sector, leveraging its parent company Achmea's reputation. The business model focuses on providing a broad portfolio of insurance and financial products online, supported by digital tools and customer service channels including chat and phone. The company targets a wide audience from private consumers to businesses, with specialized offerings for self-employed persons (ZZP). The website integrates multiple third-party marketing and analytics services to optimize customer engagement and advertising effectiveness. Certifications and trust seals enhance credibility. The partnership ecosystem includes Achmea and various marketing platforms. Growth indicators include active content updates and extensive service coverage.

Security posture

The website demonstrates a moderate security maturity level with implementation of key security headers such as CSP, X-Frame-Options, and HSTS. Cookies are set with Secure and HttpOnly flags, and a strict referrer policy is in place. However, the SSL certificate is invalid or missing, and no TLS protocols are enabled, which is a critical vulnerability that undermines secure communications. OCSP stapling and session resumption are not enabled, reducing efficiency and security of TLS sessions. The CSP allows 'unsafe-inline' and 'unsafe-eval', which could be tightened. No explicit incident response or vulnerability disclosure information is found. Overall, the security posture requires urgent improvement in SSL/TLS configuration to protect user data and maintain trust.

Recommendations

  1. Immediately fix and renew the SSL certificate to ensure valid HTTPS connections.
  2. Enable TLS 1.2 and TLS 1.3 protocols and disable deprecated versions.
  3. Implement OCSP stapling and session resumption to improve TLS performance and security.
  4. Review and tighten Content Security Policy to remove 'unsafe-inline' and 'unsafe-eval' directives.
  5. Publish clear incident response and vulnerability disclosure policies to enhance transparency and security culture.

Contact details published on the site

Addresses
Legal name
Centraal Beheer
Technical notes

Notes

The website is built on a modern technology stack including Sitecore CMS and hosted on Microsoft Azure infrastructure. It uses multiple CDNs (Cloudfront, Imgix) and integrates advanced analytics and marketing tools such as Google Analytics, Contentsquare, Usabilla, and Relay42. The site is mobile optimized with responsive design and accessibility features like skip links and dyslexia font options. SEO is well addressed with meta tags, canonical URLs, and structured data (JSON-LD). However, performance data is missing, and SSL/TLS configuration is critically flawed. The site uses modern JavaScript modules and SVG icons for UI elements. Overall, the technical implementation is solid but requires urgent security upgrades to SSL/TLS configuration.
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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