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Security report for cera.coop

KBC Groep NV · Finance · Belgium

Low risk. 1 critical or high finding in Security headers.

Security score

82/100

Risk levelLow

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

Cera is a large Belgian financial cooperative affiliated with KBC Groep NV, offering cooperative shares, member benefits, and community support initiatives. The website targets individual consumers in Belgium and provides comprehensive information about investing in cooperative shares, enjoying exclusive benefits, and participating in societal projects. The digital infrastructure is modern, hosted on Microsoft Azure, and uses technologies such as Google Maps API and lazy loading for images. Security posture is good with HTTPS and domain transfer protections, but lacks some advanced security headers and explicit privacy/cookie policies. The domain registration is consistent with the business entity and shows no suspicious patterns. Overall, the website is professional, trustworthy, and well-positioned in the Belgian cooperative finance market.

Scanned

NIS2 and GDPR posture

GDPR outside view
83/ 100 · Low
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

1 finding 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 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';…

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

Keep watching cera.coop

This scan found 16 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
90
Security headers
70
Email security
75
DNS health
75
Network security
100
GDPR outside view
83
Average
82

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

Cera operates as a financial cooperative with a strong market position in Belgium, boasting around 400,000 members. Its business model revolves around cooperative shares and providing tangible benefits to members, including discounts and community project support. The partnership with KBC Groep NV enhances credibility and operational capacity. The website reflects a mature organization with clear branding and a focus on community engagement. Revenue streams likely include share subscriptions and cooperative dividends. The cooperative governance structure is emphasized, encouraging member participation. The company maintains a solid partnership ecosystem, notably with KBC, and actively promotes local and national advisory councils.

Security posture

The website enforces HTTPS and uses clientTransferProhibited status on the domain, indicating good domain security practices. However, DNSSEC is not enabled, which is a recommended improvement. No explicit security headers were detected in the provided data, which could enhance protection against common web attacks. The site uses Microsoft Application Insights for telemetry, indicating monitoring capabilities. No vulnerabilities or exposed sensitive data were found in the HTML content. Privacy and cookie policies are not explicitly presented, which is a compliance gap. Incident response and vulnerability disclosure information are absent, suggesting room for improvement in security transparency and readiness.

Recommendations

  1. Enable DNSSEC on the domain to improve DNS security and integrity.
  2. Implement and publish comprehensive privacy and cookie policies with user consent mechanisms to enhance GDPR compliance.
  3. Add standard security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security to strengthen web security.
  4. Publish a vulnerability disclosure policy or security.txt file to facilitate responsible reporting of security issues.
  5. Enhance accessibility features and conduct regular security audits to maintain a strong security posture.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
KBC Groep NV
Description
Cera is één van de grootste coöperaties in België. Samen investeren in welvaart en welzijn en bijdragen aan initiatieven die goed doen.
Key services
Cooperative shares investment, Member benefits and discounts, Community and societal support projects, Member participation in governance
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, Google Maps API, Azure Front Door (azurefd.net domain), Google Fonts, YouTube Widget API, lazySizes (lazy loading images)
Platforms
Azure App Service
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced
  • ClientTransferProhibited domain status
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Microsoft Application Insights
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
Microsoft Application Insights
Marketing tools
Application Insights
Transparency
basic

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high

Key observations

  1. Website is professionally designed and well-structured.
  2. Content is in Dutch targeting Belgian individual consumers.
  3. Strong branding and association with KBC Group.
  4. No explicit privacy or cookie policies found on the analyzed page.
  5. Multiple navigation menus and rich content about cooperative shares, benefits, and community projects.
  6. Use of modern web technologies and external APIs like Google Maps.
  7. No signs of malicious or suspicious content.
  8. No direct phone numbers or social media links found in the provided content.
  9. Contact email info@cera.coop found in error message placeholder.
  10. No explicit security or incident response policies published.
Technical notes

Notes

The website uses a modern tech stack including JavaScript, Google Maps API, and lazy loading for images, hosted on Microsoft Azure App Service. The HTML is well-structured with proper meta tags for SEO and Open Graph for social sharing. Performance is moderate with good mobile optimization. The site lacks a detectable CMS, suggesting a custom or proprietary solution. External dependencies include Google Fonts and YouTube widget scripts. The domain uses multiple authoritative name servers and is registered with a reputable registrar. Overall, the technical infrastructure supports a professional and scalable web presence with opportunities for security and privacy enhancements.
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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