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Security report for centralnainformacja.pl

Krajowa Izba Rozliczeniowa S.A. · Finance · Poland

Medium risk. 6 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

67/100

Risk levelMedium

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

Krajowa Izba Rozliczeniowa S.A. (KIR) operates as a key national provider of banking infrastructure and digital financial services in Poland. The website showcases a broad portfolio of services targeting banks, corporations, public sector entities, and individual customers, including electronic signatures, interbank payment systems, and centralized information exchange platforms. The company holds a strong market position as a trusted intermediary facilitating secure and efficient banking operations. Technically, the website is built on modern web standards with responsive design, accessibility features, and integration of Google Tag Manager and reCAPTCHA for analytics and security. Security posture is robust with HTTPS enforcement, security headers, and CSRF protections, although explicit incident response and vulnerability disclosure policies are not publicly found. The absence of WHOIS data limits domain registration trust analysis, but the professional presentation and official partnerships mitigate concerns. Overall, the site reflects a mature digital presence aligned with industry standards and regulatory compliance.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 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

6 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 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, Twitter, LinkedIn, YouTube

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

  2. 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 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';…

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Keep watching centralnainformacja.pl

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.

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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
72
Security headers
65
Email security
60
DNS health
80
Network security
100
GDPR outside view
25
Average
67

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

KIR's business model focuses on providing essential banking infrastructure services, including payment clearing, electronic identity verification, and information exchange. Their target customers span multiple sectors, emphasizing B2B services for banks and corporations, alongside B2C offerings for individual banking clients. The company leverages partnerships with specialized service providers (e.g., mSzafir, Paybynet) to extend its service ecosystem. The website content and linked domains indicate a well-established network and a strategic approach to digital transformation in the financial sector. Growth indicators include continuous updates, new service introductions, and active communication channels. The company maintains a consistent brand and professional content, reinforcing credibility and trust.

Security posture

The website demonstrates a high level of security maturity with HTTPS, modern security headers, and anti-CSRF tokens. Integration of Google reCAPTCHA helps mitigate automated abuse. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the lack of publicly available security policies or incident response contacts suggests room for improvement in transparency and preparedness. GDPR compliance is supported by comprehensive privacy and cookie policies with consent mechanisms. Overall, the security posture is strong but could benefit from explicit vulnerability disclosure and incident response documentation.

Recommendations

  1. Publish a dedicated security policy and incident response plan accessible on the website to enhance transparency.
  2. Implement and publicize a security.txt file to facilitate responsible vulnerability disclosure.
  3. Regularly audit and update third-party scripts and dependencies to mitigate emerging vulnerabilities.
  4. Enhance contact information with direct security and privacy contacts to improve trust and compliance.
  5. Continue investing in accessibility and mobile optimization to maintain high user experience standards.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Krajowa Izba Rozliczeniowa S.A.
Description
KIR provides banking infrastructure services including interbank settlements, electronic signatures, and information exchange centers. It supports banks, corporations, public sector, and individual clients with digital banking solutions.
Key services
Centralna informacja (Central Information on bank accounts), Electronic signatures (mSzafir, Szafir), Interbank payment systems (Elixir, Express Elixir, Euro Elixir), Open banking interfaces (HUB PSD2, R_HUB), Information exchange platforms (Ognivo, SCU AML)
Content quality
good
Branding
consistent

Technology

Stack
HTML5, CSS3, JavaScript, Google Tag Manager, Google reCAPTCHA
Frameworks
Unknown CMS (likely custom or Ideo/edito platform)
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • CSRF token present in meta tags
  • Google reCAPTCHA integrated
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

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 rich content and navigation
  2. No signs of WAF or security blocking
  3. Professional finance sector website with clear service offerings
  4. Strong privacy and cookie policy presence with consent mechanisms
  5. No direct contact emails or phone numbers found on this page, but contact form and contact page exist
  6. Use of modern web technologies and security best practices
  7. WHOIS data unavailable, limiting domain registration trust analysis
Technical notes

Notes

The website uses a modern tech stack including HTML5, CSS3, JavaScript, and integrates Google Tag Manager and reCAPTCHA for analytics and security. The CMS appears to be a custom or specialized platform (edito by Ideo). Performance is moderate with good mobile optimization and accessibility features. SEO is well addressed with proper meta tags and Open Graph data. No hosting provider details were identified from the content. The site is well-structured with clear navigation and consistent branding. Technical risks are minimal, but ongoing maintenance of third-party scripts and security headers is recommended to sustain performance and security.
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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