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Security report for creditea.com

Creditea International · Finance · N/a

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

Security score

60/100

Risk levelMedium

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

Creditea International operates an online lending platform targeting consumers in multiple countries including Estonia, Latvia, Lithuania, Czech Republic, and Mexico. The website serves as a gateway to country-specific portals offering consumer credit services. The business model focuses on digital lending solutions, positioning itself as a regional player in the online finance sector. The site uses modern web technologies such as React and Next.js, indicating a contemporary technical infrastructure. However, the content is minimal and primarily navigational, with limited visible business or compliance information. Security posture is moderate but lacks visible security headers and compliance documentation, which could be improved to enhance trust and regulatory adherence. The absence of WHOIS registration data and contact information raises concerns about transparency and legitimacy. Overall, the website is functional but requires enhancements in security, privacy compliance, and business credibility to strengthen its market position and user trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
35/ 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

8 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 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';…

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • 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

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

Keep watching creditea.com

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

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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
65
DNS health
70
Network security
100
GDPR outside view
35
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

Creditea International targets the online consumer lending market in selected countries, leveraging localized portals to address regional regulatory and market needs. The company appears to operate a multi-country business model with localized services, which may provide competitive advantages in regional compliance and customer engagement. The lack of detailed business information, certifications, or trust signals on the website limits visibility into revenue streams and partnership ecosystems. Growth indicators and strategic partnerships are not evident from the public content. The business intelligence suggests a medium-sized entity focused on digital finance solutions with potential for expansion if compliance and transparency are improved.

Security posture

The current security posture shows moderate maturity with HTTPS enabled and use of modern web frameworks. However, the absence of key security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security reduces protection against common web attacks. No evidence of vulnerability disclosures, incident response contacts, or security certifications is found, indicating gaps in security governance and transparency. The lack of privacy and cookie policies also suggests non-compliance with GDPR and related regulations. These factors collectively increase risk exposure and may impact customer trust and regulatory compliance.

Recommendations

  1. Implement comprehensive privacy and cookie policies with clear consent mechanisms to ensure GDPR compliance.
  2. Add and configure essential security headers to enhance protection against web vulnerabilities.
  3. Publish clear contact information including support, sales, and security incident response channels.
  4. Obtain and display relevant security certifications and conduct regular vulnerability assessments.
  5. Improve website content quality and business transparency to build trust and credibility.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Creditea International
Description
Creditea International offers online lending services with country-specific portals for Estonia, Latvia, Lithuania, Czech Republic, and Mexico.
Key services
Online consumer loans, Country-specific lending services
Content quality
basic
Branding
consistent

Technology

Stack
React, Next.js, Google Fonts
Frameworks
Next.js
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
50/100

Analytics and tracking

Tracking level
minimal
Privacy practices
poor

Advertising

Transparency
poor

Site quality

Design
basic
User experience
basic
Content relevance
basic
Navigation
basic
Professionalism
basic
Trustworthiness
moderate
Technical notes

Notes

The website is built using React and Next.js, indicating a modern and scalable frontend architecture. Google Fonts are used for typography, and the site appears mobile-optimized with responsive design elements. However, no CMS or hosting provider information is detected. Performance is moderate with deferred script loading, but SEO and accessibility features are basic and could be enhanced. The technical debt appears low but the lack of visible analytics and tracking tools limits insights into user behavior and marketing effectiveness. Overall, the technical infrastructure is sound but requires improvements in SEO, accessibility, and security configurations.
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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