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Security report for coface.si

Coface · Finance · Slovenia

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

Security score

69/100

Risk levelMedium

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

Coface Slovenia is a leading credit insurance and risk management company supporting business growth by offering credit insurance, debt collection, and business information services. Established in 1946 and part of the global Coface Group, it serves a broad B2B audience across Slovenia and internationally. The website reflects a mature digital presence with professional design, clear navigation, and comprehensive business information. Technically, the site uses modern frameworks such as Symfony and is hosted on AWS infrastructure, with integrations for consent management and analytics. Security posture is strong with HTTPS, security headers, and cookie consent mechanisms, though explicit security policies and incident response contacts are not publicly disclosed. Overall, the site is trustworthy, GDPR compliant, and well-optimized for SEO and accessibility.

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.si

This scan found 20 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
70
DNS health
75
Network security
100
GDPR outside view
10
Average
69

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 as a global leader in credit insurance and risk management, serving over 100,000 companies worldwide. Its business model focuses on B2B services, providing financial risk mitigation tools to companies of all sizes. The company leverages a global network with localized subsidiaries, including Slovenia. The website's extensive multilingual links indicate a broad international footprint. Coface's competitive advantage lies in its comprehensive service offerings, expert knowledge, and technological integration for risk assessment and debt recovery. The company targets businesses seeking to protect against credit risks and optimize cash flow management.

Security posture

The website demonstrates a solid security foundation with enforced HTTPS, modern security headers, and a cookie consent mechanism compliant with GDPR. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. However, the absence of a dedicated security policy page, incident response contact information, and vulnerability disclosure policy suggests room for improvement in transparency and readiness. The use of third-party scripts like Google Tag Manager and Didomi is managed with consent, reducing privacy risks. Overall, the security posture is good but could be enhanced by publishing explicit security governance documents and incident handling procedures.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and commitments.
  2. Provide clear incident response contact channels such as security@ or abuse@ email addresses.
  3. Implement and publish a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  4. Regularly review and audit third-party scripts and SDKs to mitigate supply chain risks.
  5. Enhance transparency on data retention and processing policies to strengthen user trust.

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
Družba Coface podpira razvoj vašega podjetja s ponudbo zavarovanja terjatev, izterjave dolgov in poslovnih informacij.
Key services
zavarovanje terjatev (credit insurance), izterjava terjatev (debt collection), poslovne informacije (business information)
Content quality
excellent
Branding
consistent

Technology

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

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent implemented
  • No exposed sensitive data in HTML
  • Use of CSP headers

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Didomi Consent SDK
Marketing tools
Didomi Consent Management
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with no blocking mechanisms.
  2. Strong GDPR and cookie consent compliance.
  3. Professional and consistent branding and content.
  4. Comprehensive business information and contact details provided.
  5. Use of modern technologies and frameworks.
  6. No security policy or incident response information publicly available.
  7. No vulnerability disclosure or security.txt found.
Technical notes

Notes

The website is built on a modern technology stack including Symfony framework and Ibexa CMS, hosted on AWS infrastructure. It integrates third-party services for consent management (Didomi) and analytics (Google Tag Manager). The site is well-optimized for SEO with comprehensive meta tags and Open Graph data, and it supports mobile responsiveness and accessibility standards. Performance is moderate, with potential for optimization in loading times. The technical implementation reflects a mature digital infrastructure suitable for a large enterprise in the finance sector, with opportunities to improve security documentation and incident readiness.
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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