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Security report for cofidis.sk

Cofidis · Finance · Slovakia

Low risk. 2 critical or high findings in GDPR outside view and SSL/TLS.

Security score

83/100

Risk levelLow

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

Cofidis Slovakia operates as a financial services provider specializing in consumer credit products such as unsecured loans, installment purchases, car loans, insurance, and eco-loans. The website targets Slovak consumers and offers an online loan calculator to facilitate loan amount and repayment term selection. The company appears to be well-established in the Slovak market with a professional online presence. Technically, the website uses modern JavaScript libraries including jQuery and Underscore.js, served via e-i.com CDN infrastructure, and supports HTTPS for secure communications. However, it lacks some advanced security headers and explicit privacy and cookie policies, which are important for compliance and user trust. No social media or direct contact emails were found in the provided content, though a contact page is linked. Overall, the site is functional and professional but could improve privacy compliance and security posture.

Scanned

NIS2 and GDPR posture

GDPR outside view
73/ 100 · Medium
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

2 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.

    • 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. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

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

Keep watching cofidis.sk

This scan found 14 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
90
Email security
70
DNS health
85
Network security
100
GDPR outside view
73
Average
83

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.sk, from OffSeq Breach.

Total records
122
Employees
0
Customers
122
Third parties
0
Weak passwords
22%

7 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.sk.

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Breach keeps ingesting new leaks, so these numbers can grow between scans.

Technical appendix

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

Business context

Business profile

Cofidis positions itself as a key player in the Slovak consumer finance sector, offering a range of loan and insurance products. Its business model focuses on online lending and insurance services, targeting individual consumers. The website's loan calculator indicates a customer-centric approach to facilitate product selection. The absence of visible certifications or trust badges suggests potential areas for enhancing credibility. The company leverages a CDN and modern web technologies to deliver content efficiently. The lack of social media presence or direct contact details in the main content may limit customer engagement channels. There is no evidence of affiliate or partner domains in the provided data, indicating a direct-to-consumer approach.

Security posture

The website enforces HTTPS, ensuring encrypted data transmission. It uses secure form submission methods and modern JavaScript libraries, reducing risks of common vulnerabilities. However, the absence of key security headers such as Content-Security-Policy, X-Content-Type-Options, and X-Frame-Options is a gap that could expose the site to certain attacks like clickjacking or MIME sniffing. No vulnerability disclosure or security.txt files were found, which limits transparency and incident response readiness. Privacy and cookie policies are missing, which is a compliance risk under GDPR. Overall, the security posture is moderate but requires enhancements to meet best practices and regulatory requirements.

Recommendations

  1. Implement and publish a comprehensive privacy policy and cookie policy with GDPR compliance details.
  2. Add security headers including Content-Security-Policy, X-Content-Type-Options, and X-Frame-Options to enhance protection.
  3. Establish a vulnerability disclosure program or security.txt file to improve transparency and incident response.
  4. Enhance accessibility features to improve compliance and user experience for all users.
  5. Consider adding trust indicators such as certifications, customer testimonials, or security badges to boost credibility.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Cofidis
Description
Cofidis offers online unsecured loans, installment purchases, car loans, insurance, and eco-loans primarily targeting Slovak customers.
Key services
Bezúčelová pôžička online, Nákup na splátky, Úver na auto, Poistenie, Ekopôžičky
Content quality
good
Branding
consistent

Technology

Stack
jQuery 3.6.0, Underscore.js 1.13.7, CSS, JavaScript
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
75/100
Good practices seen
  • HTTPS enabled
  • Secure forms with POST method
  • Use of modern JavaScript libraries

Analytics and tracking

Tracking level
moderate
Privacy practices
poor

Advertising

Tracking pixels
tracking_event.js
Marketing tools
SITW-tools.js
Transparency
basic

Site quality

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

Key observations

  1. Website provides a comprehensive loan calculator form with multiple options for loan amount and repayment terms.
  2. No explicit privacy or cookie policies found on the main page or linked pages in provided data.
  3. Contact information is available via a dedicated contact page but no direct emails or phone numbers found in main HTML.
  4. Use of multiple external domains for CDN and scripts, all related to e-i.com infrastructure.
  5. No social media links or email addresses explicitly found in the provided HTML snippet.
  6. Website uses HTTPS and modern JavaScript libraries but lacks some security headers.
  7. No security.txt or vulnerability disclosure page detected.
  8. Content is professional and targeted at Slovak consumers seeking financial products.
Technical notes

Notes

The website is built using standard web technologies including HTML5, CSS, and JavaScript with libraries like jQuery 3.6.0 and Underscore.js 1.13.7. It uses a CDN infrastructure (e-i.com) for hosting static assets and scripts, which supports performance and scalability. The site is responsive with separate CSS for desktop and mobile views, indicating good mobile optimization. SEO meta tags are basic, and no structured data (JSON-LD) or Open Graph tags were detected in the provided content, which could be improved for better search engine visibility and social sharing. The loan calculator form is complex and interactive, showing advanced client-side scripting. No CMS or specific frameworks were identified. Performance is moderate, with room for optimization in loading speed and SEO.
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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