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Security report for credit24.ee

IPF Digital AS · Finance · Estonia

Medium risk. 7 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

60/100

Risk levelMedium

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

Credit24.ee is a well-established Estonian online consumer finance provider offering a variety of loan products including credit accounts, car loans, and personal loans. The company operates under IPF Digital AS and has a strong regional presence with subsidiaries and partner brands across the Baltics and Australia. The website is professionally designed using modern web technologies such as React and Next.js, hosted on AWS, and incorporates GDPR-compliant cookie consent mechanisms. Analytics and marketing tools like Microsoft Clarity and Google Tag Manager are used for user behavior tracking and advertising. Security posture is strong with HTTPS enforced and standard security headers present, though explicit security policies and incident response contacts are not publicly detailed. WHOIS data confirms domain legitimacy and consistency with the business profile. Overall, the site demonstrates a mature digital presence with good privacy compliance and business credibility.

Scanned

NIS2 and GDPR posture

GDPR outside view
40/ 100 · High
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

7 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';…

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

Keep watching credit24.ee

This scan found 26 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

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

Email alerts on material changes and an exportable JSON history of every change.

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Full report

€39.90one-time

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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
82
Security headers
15
Email security
55
DNS health
65
Network security
100
GDPR outside view
40
Average
60

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

Credit24 targets Estonian consumers seeking flexible credit solutions, leveraging an online platform to provide credit lines and various loan types. The business model focuses on consumer lending with transparent terms and competitive APRs. The company benefits from a multi-country footprint, enhancing brand recognition and operational scale. Partnerships with Creditea brands expand market reach. The website content and structure support clear communication of services and legal compliance, fostering trust. Revenue streams are primarily from interest and fees on credit products. Growth indicators include active marketing and regional expansion. The company maintains professional contact channels and social media engagement, supporting customer service and brand awareness.

Security posture

The website exhibits a solid security foundation with HTTPS and multiple security headers implemented, reducing risks of common web attacks. Cookie consent and privacy policies align with GDPR requirements, indicating good data protection practices. However, the absence of a dedicated security policy or vulnerability disclosure program limits transparency on security governance. No incident response contacts or security.txt files were found, which could be improved to enhance readiness and trust. No vulnerabilities or exposed sensitive data were detected in the HTML content. The use of reputable third-party analytics and advertising scripts is noted, but continuous monitoring for library vulnerabilities is recommended. Overall, the security posture is good but could benefit from enhanced policy disclosures and incident management transparency.

Recommendations

  1. Publish a dedicated security policy page outlining security governance and controls.
  2. Implement and publicize a vulnerability disclosure program or security.txt file.
  3. Provide clear incident response contact information for security issues.
  4. Regularly audit and update third-party scripts to mitigate potential vulnerabilities.
  5. Enhance transparency on data retention and processing practices to strengthen privacy compliance.

Contact details published on the site

Addresses
Legal name
IPF Digital AS
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
IPF Digital AS
Description
Credit24 offers credit services based on a credit account (credit line) limit. They provide loans such as credit accounts, repair loans, car loans, travel loans, wedding loans, health and beauty loans, and small loans. The service targets consumers in Estonia.
Key services
Credit account (credit line), Repair loans, Car loans, Travel loans, Wedding loans, Health and beauty loans, Small loans
Content quality
good
Branding
consistent

Technology

Stack
React, Next.js, AWS DNS, Google Tag Manager, Microsoft Clarity, Bing Ads
Frameworks
Next.js
Platforms
Web
Performance
fast
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 modern frameworks and libraries

Analytics and tracking

Services
Microsoft Clarity, Google Analytics (via GTM)
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Bing Ads
Tracking pixels
Microsoft Clarity, Bing Ads
Marketing tools
Microsoft Clarity
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well-structured.
  2. Clear and accessible contact information including phone and email.
  3. Cookie consent mechanism is implemented and GDPR compliant.
  4. No signs of phishing, malware, or suspicious activity.
  5. Use of modern web technologies and analytics tools.
  6. No explicit security policy or incident response page found.
  7. WHOIS data supports legitimacy and business age.
  8. Multiple related domains indicate a regional financial group.
Technical notes

Notes

The website is built on a modern React and Next.js framework, ensuring fast performance and good SEO optimization. Hosting on AWS provides scalability and reliability. The site is mobile-optimized with responsive design and accessibility features, supporting a broad user base. Use of Sanity CMS facilitates content management. Analytics and marketing integrations are well implemented, supporting data-driven decision making. The technical infrastructure is robust with no visible technical debt or errors. Opportunities exist to further improve accessibility and performance metrics through ongoing optimization. Overall, the technical foundation supports business objectives effectively with low operational risk.
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

Earlier scans of this domain

  1. 41/100High36 findingsView report
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