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Security report for coface.ro

Coface · Finance · Romania

Medium risk. 6 critical or high findings in GDPR outside view and SSL/TLS.

Security score

70/100

Risk levelMedium

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

Coface Romania operates as a leading provider of commercial credit insurance and related financial services, supporting business development through credit risk management, debt collection, and business information services. The company targets businesses seeking to mitigate credit risks and improve financial stability. The website reflects a mature digital presence with multi-language support and comprehensive service offerings aligned with Coface's global brand. Technically, the site uses modern web technologies including Symfony framework and integrates consent management and analytics tools, ensuring compliance with GDPR and privacy standards. Security posture is strong with HTTPS enforcement and security headers, though explicit security policies and incident response contacts are not publicly detailed. Overall, the site demonstrates a professional and trustworthy online presence consistent with a large financial services entity.

Scanned

NIS2 and GDPR posture

GDPR outside view
10/ 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 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, 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 coface.ro

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.

Daily monitoring

Recommended

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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
67
Security headers
90
Email security
80
DNS health
70
Network security
100
GDPR outside view
10
Average
70

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

Coface holds a strong market position in Romania as a leader in commercial credit insurance, leveraging its global network and expertise since 1946. The business model focuses on B2B services including credit insurance, debt collection, and business intelligence. The company serves a broad range of industries within the finance sector, emphasizing risk mitigation and credit management. The website's extensive country-specific domains and language options indicate a global operational footprint. Partnerships with consent management and analytics providers enhance compliance and marketing capabilities. The absence of public WHOIS registrant data is typical for large enterprises prioritizing privacy. Coface's strategic focus on informed business decisions and risk management positions it well for sustained growth and competitive advantage.

Security posture

The website exhibits a solid security posture with HTTPS enabled and multiple security headers implemented, reducing common web vulnerabilities. The presence of a cookie consent mechanism aligns with GDPR requirements, enhancing privacy compliance. No exposed sensitive information or vulnerable libraries were detected in the HTML content. However, the lack of a published security policy, incident response contacts, or vulnerability disclosure program represents an area for improvement to bolster transparency and readiness. Overall, the security maturity is appropriate for a financial services website, but formalizing security governance documentation would strengthen trust and compliance.

Recommendations

  1. Publish a dedicated security policy page detailing security practices and compliance frameworks.
  2. Provide clear incident response contact information, including security@ or abuse@ email addresses.
  3. Implement and publicize a vulnerability disclosure program or security.txt file to encourage responsible reporting.
  4. Enhance transparency by listing the Data Protection Officer contact details in compliance with GDPR.
  5. Regularly audit and update third-party scripts and consent mechanisms to maintain privacy compliance and security.

Contact details published on the site

Addresses
Legal name
Coface for Trade
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Coface
Description
Coface sprijina dezvoltarea companiilor prin ofertele sale de asigurare a creditelor comerciale, colectare a creantelor si informatii de afaceri
Key services
Asigurare de credit comercial, Colectare creanțe comerciale, Informații de afaceri, Asigurări de garanții
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, Google Tag Manager, Didomi Consent SDK, Privacy Center SDK
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent banner
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Marketing tools
Didomi Consent SDK, Privacy Center SDK
Transparency
good

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 business-focused, professional, and relevant to credit insurance and risk management
  3. Strong privacy and cookie consent mechanisms implemented
  4. WHOIS data is privacy protected with no public registrant info
  5. No exposed sensitive data or security vulnerabilities detected in HTML content
  6. Multiple language and country-specific versions available indicating global presence
  7. Social media presence is linked and consistent with brand
  8. No explicit security policy or incident response contact found on main site
  9. No vulnerability disclosure or security.txt file found
Technical notes

Notes

The website is built on the Symfony PHP framework and uses the Ibexa CMS platform, indicating a robust and scalable infrastructure. Integration of Google Tag Manager and Didomi Consent SDK reflects modern marketing and privacy management practices. The site is mobile-optimized with responsive design and good accessibility features. Performance is moderate, with potential for optimization in loading times and resource management. SEO is well addressed through meta tags, Open Graph, and structured data (JSON-LD). No critical technical debt or deprecated technologies were identified, suggesting a well-maintained technical environment suitable for enterprise operations.
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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