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Security report for credit24.lv

SIA IPF Digital Latvia · Finance · Latvia

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

Security score

56/100

Risk levelMedium

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

Credit24 is a Latvian-based consumer credit provider offering flexible credit lines up to 7000 EUR with no commission fees and fast disbursement times. The company operates under SIA IPF Digital Latvia and holds a valid consumer credit license, serving primarily Latvian consumers with an easy online application process. The website is built on modern React technology with integrated analytics and tracking tools, providing a good user experience and mobile optimization. Security measures such as HTTPS and security headers are properly implemented, and privacy compliance is addressed with comprehensive policies and consent mechanisms. Overall, Credit24 demonstrates a mature digital presence with strong business credibility and security posture.

Scanned

NIS2 and GDPR posture

GDPR outside view
10/ 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

    • 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

  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 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.lv

This scan found 28 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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Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

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
25
Email security
55
DNS health
65
Network security
100
GDPR outside view
10
Average
56

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 holds a solid market position in the Latvian consumer lending sector, supported by its parent company IPF Digital Group LTD and multiple subsidiaries across Europe and Australia. The business model focuses on online credit lines with flexible usage and repayment options, targeting consumers seeking quick and convenient credit solutions. The company leverages partnerships with Creditea for mobile app management and cross-border operations. The website content and structure reflect a professional approach with clear service offerings and regulatory compliance, indicating a stable and growth-oriented operation.

Security posture

The website exhibits a good security maturity level with enforced HTTPS, presence of key security headers, and no visible exposure of sensitive data. Consent management for cookies and tracking is integrated, supporting GDPR compliance. However, explicit security policy and incident response information are not found, representing an area for improvement. No vulnerabilities or outdated libraries were detected in the analysis. The use of multiple third-party analytics and advertising scripts requires ongoing monitoring to mitigate potential risks.

Recommendations

  1. Publish a dedicated security policy page detailing security controls and practices.
  2. Provide clear incident response contact channels such as security@ or abuse@ emails.
  3. Implement a formal vulnerability disclosure program and publish a security.txt file.
  4. Enhance website accessibility to meet higher standards for inclusivity.
  5. Regularly review and update third-party scripts to minimize security risks.

Contact details published on the site

Addresses
Legal name
SIA IPF Digital Latvia
VAT number
LV50003913651
Registration number
50003913651
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
SIA IPF Digital Latvia
Description
Credit24 offers consumer credit services including credit lines up to 7000 EUR with flexible repayment terms and no commission fees. The service is designed for individuals needing quick and convenient loans without collateral.
Key services
Credit line, Credit consolidation, Mobile app credit management
Content quality
good
Branding
consistent

Technology

Stack
React, Google Tag Manager, Hotjar, TikTok Pixel, Facebook Pixel, Bing Ads
Frameworks
React
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • No exposed credentials in HTML
  • Consent management integrated
  • Secure forms with login

Analytics and tracking

Services
Google Analytics, Hotjar, TikTok Analytics, Facebook Analytics
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Google Ads, Bing Ads, Adform, AppDynamics
Tracking pixels
Facebook Pixel, TikTok Pixel, Hotjar
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 challenge
  2. Clear and consistent branding and business information
  3. Comprehensive privacy and cookie policies with consent mechanism
  4. Use of modern web technologies and analytics tools
  5. Strong security posture with HTTPS and security headers
  6. No visible vulnerabilities or exposed sensitive data
  7. Multiple external domains related to subsidiaries and partners
  8. Good user experience and mobile optimization
Technical notes

Notes

The website is a React-based single-page application with integration of Google Tag Manager, Hotjar, TikTok Pixel, Facebook Pixel, and Bing Ads for analytics and marketing. The site uses modern JavaScript bundles and CSS with responsive design for mobile devices. Performance is moderate, with potential for optimization. SEO is supported by proper meta tags and structured data, though FAQ schema is empty. Hosting provider details are not explicit. The technical stack is modern and aligns with industry standards, but continuous performance and security audits are recommended to maintain operational excellence.
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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