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Security report for cofidis.be

Cofidis · Finance · Belgium

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

Security score

73/100

Risk levelMedium

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

Cofidis Belgium operates as a financial services provider specializing in consumer credit and loan products, targeting French and Dutch speaking customers in Belgium. The website is bilingual and designed to guide users to their preferred language section. The business appears to be an established player in the Belgian consumer credit market, offering personal loans and financial solutions. The website infrastructure relies on HTTPS and uses a CDN for resource delivery, with JavaScript libraries such as jQuery for interactivity. However, the site lacks visible privacy and cookie policies and does not provide direct contact information on the landing page, which may impact user trust and compliance perception. Security posture is moderate with HTTPS enabled but missing visible security headers and incident response contacts. WHOIS data is restricted, showing privacy protection, which is common for financial entities but limits transparency. Overall, the site is functional and professional but could improve in privacy compliance and user trust signals.

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 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

  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 cofidis.be

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.

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
77
Security headers
75
Email security
70
DNS health
90
Network security
100
GDPR outside view
25
Average
73

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

Cofidis targets the Belgian consumer credit market with a bilingual website catering to French and Dutch speakers. The business model focuses on providing personal loans and credit services, likely generating revenue through interest and fees. The company leverages digital marketing and analytics tools such as DCLIC and TagCommander to optimize user engagement and conversion. The absence of visible contact details and privacy policies on the landing page suggests room for improvement in customer support and regulatory compliance. The domain's WHOIS privacy protection aligns with industry norms for financial services, balancing privacy and legitimacy. No direct partnerships or subsidiaries are identified from the website content.

Security posture

The website enforces HTTPS, ensuring encrypted communication. However, the lack of visible security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options reduces defense-in-depth. No forms or input fields are present on the landing page, minimizing immediate attack surface, but the presence of multiple third-party scripts requires ongoing vulnerability management. The absence of published security policies, incident response contacts, or vulnerability disclosure programs indicates limited transparency in security governance. Overall, the security posture is moderate but could be enhanced by implementing best practices and improving user-facing security information.

Recommendations

  1. Publish comprehensive privacy and cookie policies with clear consent mechanisms to improve GDPR compliance.
  2. Add visible contact information including support emails and phone numbers to enhance user trust and accessibility.
  3. Implement and expose security headers to strengthen protection against common web attacks.
  4. Establish and publicize an incident response policy and contact channels for security issues.
  5. Regularly audit third-party scripts and dependencies to mitigate potential vulnerabilities.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Cofidis
Description
Cofidis is a financial services company offering consumer credit and loan products in Belgium, targeting French and Dutch speaking customers.
Key services
Consumer credit, Personal loans, Financial solutions
Content quality
basic
Branding
consistent

Technology

Stack
jQuery, JavaScript, CSS, SVG
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
70/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML

Analytics and tracking

Services
DCLIC, TagCommander
Tracking level
moderate
Privacy practices
poor

Advertising

Tracking pixels
DCLIC, TC
Marketing tools
TagCommander
Transparency
basic

Site quality

Design
basic
User experience
basic
Content relevance
basic
Navigation
basic
Professionalism
basic
Trustworthiness
moderate

Key observations

  1. Website is bilingual (French and Dutch) targeting Belgian consumers.
  2. No visible privacy or cookie policy pages found on the landing page.
  3. No contact emails or phone numbers explicitly provided on the landing page.
  4. WHOIS data is restricted and does not provide registrar or registrant details.
  5. Website uses HTTPS and loads resources from a CDN domain (e-i.com).
  6. Tracking scripts from DCLIC and TagCommander are present indicating marketing and analytics usage.
  7. No forms detected on the landing page; cookie consent is handled via JavaScript but no visible banner.
  8. No social media links or contact information found in the provided HTML.
  9. No security headers detected in the HTML content; likely handled at server level but not visible here.
  10. No structured data (JSON-LD or Open Graph) found in the HTML head.
Technical notes

Notes

The website uses a standard technology stack including jQuery and custom JavaScript hosted on a CDN. The site is mobile responsive with separate CSS for desktop and responsive layouts. Performance is moderate, with resources loaded from a reliable CDN provider (e-i.com). No CMS or major frameworks are detected, suggesting a custom or proprietary platform. SEO is basic with meta description and viewport tags but lacks structured data or Open Graph tags. Accessibility features are minimal but present. The site does not expose sensitive data in the HTML and uses HTTPS, but lacks visible security headers. Overall, the technical implementation is solid but could benefit from modernization and enhanced security controls.
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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