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Security report for cofidis.hu

Cofidis Magyarország · Finance · Hungary

Medium risk. 8 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

63/100

Risk levelMedium

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

Cofidis Magyarország operates as a prominent financial services provider specializing in personal loans, debt consolidation, retail financing, and vehicle leasing within Hungary. The website offers a comprehensive suite of loan products with detailed terms, representative examples, and an online application process, targeting Hungarian consumers seeking flexible and accessible financial solutions. The company maintains a strong market position with consistent branding and a professional online presence. Technically, the website leverages modern frameworks such as Bootstrap and integrates analytics tools like Google Analytics and Hotjar, ensuring a responsive and user-friendly experience across devices. Security posture is solid with HTTPS enforcement and cookie consent mechanisms, although explicit security policies and incident response contacts are not publicly disclosed. Overall, the site demonstrates good compliance with privacy regulations and provides clear contact channels, primarily via a prominently displayed phone number. The domain registration data aligns well with the business claims, supporting the legitimacy of the entity.

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

8 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

  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 Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • 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.hu

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
77
Security headers
15
Email security
70
DNS health
90
Network security
100
GDPR outside view
25
Average
63

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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention cofidis.hu, from OffSeq Breach.

Total records
1,249
Employees
0
Customers
1,249
Third parties
0
Weak passwords
8%

5 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for cofidis.hu.

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Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Cofidis Magyarország targets the Hungarian consumer finance market with a focus on personal loans and related credit products. The business model centers on online loan applications and flexible financial solutions, catering to individuals with varying income levels and loan purposes. The company benefits from a well-established brand and a comprehensive product portfolio, including promotional offers and representative loan examples that enhance customer trust. The use of analytics and marketing tools indicates an active digital marketing strategy. While no explicit partnerships or subsidiaries are identified in the provided data, the presence of detailed product information and regulatory compliance suggests a mature operational framework. The company’s focus on transparency and customer education through financial literacy content further strengthens its market positioning.

Security posture

The website exhibits a mature security posture with mandatory HTTPS encryption and implementation of cookie consent mechanisms aligned with GDPR requirements. The absence of exposed sensitive data and the use of reputable third-party analytics services with privacy considerations reflect good security hygiene. However, the lack of a publicly accessible security policy and incident response contact points indicates areas for improvement in transparency and preparedness. No vulnerabilities or suspicious activities were detected in the analyzed content. Security headers and advanced protections could be enhanced to further harden the site against potential threats. Overall, the security measures are adequate for a financial services website but could benefit from additional disclosures and technical enhancements.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and commitments.
  2. Provide clear incident response contact information for security issues or abuse reports.
  3. Implement and enforce security headers such as Content-Security-Policy and X-Content-Type-Options.
  4. Regularly review and update third-party scripts to mitigate risks from external dependencies.
  5. Enhance transparency around data retention policies and user privacy controls.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Cofidis Magyarország
Description
Fedezze fel a Cofidis kedvező hitelajánlatait! Személyi kölcsönök, adósságrendezés, áruhitelek és gépjármű-finanszírozási megoldások, gyors hitelbírálattal és rugalmas feltételekkel. Könnyítse meg pénzügyi terveit egyszerűen, akár online igényléssel!
Key services
Personal loans, Debt consolidation loans, Retail financing, Vehicle leasing and financing, Online loan application and prequalification
Content quality
good
Branding
consistent

Technology

Stack
Bootstrap 5.1.3, Google Tag Manager, Google Analytics, Hotjar, Font Awesome, Google Fonts (Montserrat), Cony CMS v2.0
Frameworks
Bootstrap
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Cookie consent mechanism implemented
  • Use of analytics with anonymized IP when consent not given

Analytics and tracking

Services
Google Analytics, Hotjar
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Hotjar, Facebook Pixel
Marketing tools
Hotjar
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 primarily in Hungarian targeting Hungarian consumers.
  3. Strong focus on personal loans and related financial products.
  4. Multiple loan products with detailed representative examples provided.
  5. Use of modern web technologies and analytics tools.
  6. Cookie consent and privacy policies are implemented and accessible.
  7. No explicit security policy or incident response contact found.
  8. No suspicious or malicious content detected.
  9. Phone contact number is prominently displayed and clearly labeled.
  10. No email addresses explicitly found in the provided content.
Technical notes

Notes

The website is built using a modern technology stack including Bootstrap 5 for responsive design, Google Tag Manager and Google Analytics for tracking, and Hotjar for user behavior analysis. It uses the Cony CMS v2.0 platform, indicating a custom or specialized content management system. The site is optimized for mobile devices with good accessibility features and clear navigation structures. Performance is moderate, with potential for optimization in loading times and script management. The integration of multiple external resources is well managed, but continuous monitoring is recommended to avoid technical debt and security risks. SEO practices are good with appropriate meta tags and Open Graph data enhancing social sharing and search visibility.
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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