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Security report for coolcredit.cz

COOL CREDIT, s.r.o. · Finance · Czech Republic

Medium risk. 3 critical or high findings in Security headers and SSL/TLS.

Security score

65/100

Risk levelMedium

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

COOL CREDIT, s.r.o. is a Czech Republic-based financial services company specializing in fast, reliable non-bank online loans up to 25,000 CZK. Licensed by the Czech National Bank, it offers quick SMS-based loan applications and approvals, targeting individuals needing short-term financial assistance. The company has a strong market position with over 10 years of experience and emphasizes responsible lending without requiring guarantors. Technically, the website employs modern JavaScript frameworks, integrates multiple analytics and marketing tools, and is optimized for mobile and accessibility. Security posture is solid with HTTPS enforcement and cookie consent mechanisms, though explicit security policies and incident response contacts are not publicly documented. Overall, the website is professional, trustworthy, and compliant with GDPR regulations, providing clear contact information and comprehensive user support.

Scanned

NIS2 and GDPR posture

GDPR outside view
100/ 100 · Low
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

3 findings rated critical or high. Fix these first.

  1. 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 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';…

  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 coolcredit.cz

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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
30
Email security
60
DNS health
80
Network security
40
GDPR outside view
100
Average
65

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

The company operates in the competitive Czech non-bank lending sector, leveraging quick online processes and licensed credibility to attract customers. Its business model focuses on short-term loans with flexible repayment terms and no collateral requirements. The presence of detailed FAQs, downloadable legal documents, and transparent policies supports customer trust and regulatory compliance. The company maintains active social media presence and partners with recognized platforms for marketing and analytics. Growth indicators include a decade-long market presence and a broad service offering including weekend loans and loans for various customer segments. Strategic observations suggest continued investment in digital marketing and customer experience to maintain competitive advantage.

Security posture

COOL CREDIT demonstrates a mature security posture with HTTPS enforced and use of security monitoring tools like New Relic. The website implements cookie consent compliant with GDPR, uses reputable third-party analytics, and avoids exposing sensitive data in the frontend. However, the absence of a publicly available security policy, incident response contacts, or vulnerability disclosure mechanisms indicates room for improvement in transparency and readiness. No critical vulnerabilities or suspicious patterns were detected in the analysis. Enhancing security headers and publishing a security.txt file would strengthen the security culture and customer confidence.

Recommendations

  1. Publish a dedicated security policy page detailing security practices and controls.
  2. Provide clear incident response contact information, such as a security@ or abuse@ email.
  3. Implement and document security headers like X-Frame-Options and X-Content-Type-Options.
  4. Add a security.txt file to facilitate responsible vulnerability disclosure.
  5. Regularly audit and update third-party scripts to mitigate potential vulnerabilities.

Contact details published on the site

Addresses
Legal name
COOL CREDIT, s.r.o.
Registration number
02112621
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
COOL CREDIT, s.r.o.
Description
COOL CREDIT offers fast, reliable non-bank online loans up to 25,000 CZK with quick approval and disbursement, licensed by the Czech National Bank (ČNB).
Key services
Short-term online loans, SMS loan application and approval, Loans without guarantor, Weekend loan availability
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, Google Tag Manager, Google Analytics, Cookiebot, PushAlert, EmbedSocial, New Relic, Cloudflare (implied by __cf_bm cookie)
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with opt-in/out
  • No exposed sensitive data in HTML
  • Use of security monitoring (New Relic)

Analytics and tracking

Services
Google Analytics, Hotjar, New Relic
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Google AdSense, Microsoft Advertising
Tracking pixels
Hotjar, Cookiebot
Marketing tools
PushAlert, EmbedSocial
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 rich content and no blocking detected.
  2. Strong compliance with GDPR and cookie consent regulations.
  3. Clear and multiple contact channels including phone, email, and contact forms.
  4. Use of multiple third-party analytics and marketing tools with transparent cookie policy.
  5. Business is licensed by Czech National Bank, enhancing trust.
  6. No security policy or incident response contact publicly available.
  7. No vulnerability disclosure or security.txt found.
  8. Website is well-structured, mobile optimized, and professionally designed.
Technical notes

Notes

The website uses a modern JavaScript-based frontend with integration of Google Tag Manager, Google Analytics, Cookiebot for consent management, PushAlert for notifications, and EmbedSocial for social proof. Hosting appears to be behind Cloudflare, providing performance and security benefits. The site is mobile-optimized with responsive design and accessibility considerations. Performance is fast with efficient resource loading. No CMS was detected, suggesting a custom-built platform. Technical debt appears low, but opportunities exist to enhance security headers and formalize security documentation. Overall, the technical infrastructure supports a professional and user-friendly online lending experience.
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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