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Security report for creditea.ee

Creditea · Finance · Estonia

Medium risk. 6 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

65/100

Risk levelMedium

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

Creditea is a financial services provider offering transparent and flexible credit accounts primarily targeting consumers in Estonia and the Baltic region. The company is part of the IPF group and serves over 1.7 million customers across nine countries. Their services include credit lines and payment accounts accessible via web and mobile applications, emphasizing ease of use and transparency with no hidden fees. The website is professionally designed, mobile-optimized, and provides a user-friendly experience with clear navigation and relevant content in Estonian. Technical infrastructure leverages modern web technologies such as React and Next.js, with integrations for analytics and advertising through Google Tag Manager and Bing Ads. Security posture is strong with HTTPS enforcement, security headers, and GDPR-compliant cookie consent mechanisms. However, the absence of WHOIS domain registration data raises concerns about domain legitimacy and ownership transparency. Overall, the website demonstrates a mature digital presence with good security and privacy practices but would benefit from clearer contact information and verified domain registration details.

Scanned

NIS2 and GDPR posture

GDPR outside view
65/ 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

6 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

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook

      What to do: Document all third-party data sharing in your privacy policy

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

Keep watching creditea.ee

This scan found 24 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

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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

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

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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
67
Security headers
15
Email security
65
DNS health
75
Network security
100
GDPR outside view
65
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

Creditea operates in the finance sector, focusing on consumer credit products in the Baltic region. Its business model revolves around providing credit accounts and payment solutions through digital platforms, including mobile apps for iOS and Android. The company benefits from being part of the IPF group, which enhances its market position and credibility. The target audience includes individuals seeking flexible credit options with transparent terms. Marketing efforts include digital advertising and app store presence. The company maintains a consistent brand image and offers comprehensive user support content such as FAQs and responsible lending information. Growth indicators include a large customer base and multi-country operations. Strategic partnerships with app stores and advertising networks support its ecosystem. The lack of visible direct contact details and missing WHOIS data are areas for improvement in business transparency.

Security posture

The website exhibits a solid security posture with HTTPS enforced and multiple security headers implemented, including Strict-Transport-Security and Content-Security-Policy. The presence of a cookie consent banner aligns with GDPR requirements, indicating attention to privacy compliance. No exposed sensitive data or vulnerable libraries were detected in the HTML content. Forms use secure input types and do not reveal sensitive information. However, the absence of a published security policy, incident response contacts, or vulnerability disclosure program limits transparency in security governance. The missing WHOIS data also detracts from trust in domain ownership. Overall, the site is secure for users but could enhance its security maturity by publishing formal policies and contact channels for security incidents.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and user protections.
  2. Provide clear incident response contact information such as security@ or abuse@ email addresses.
  3. Implement and publicize a vulnerability disclosure program or security.txt file.
  4. Enhance website accessibility features to improve compliance and user experience.
  5. Add explicit company contact details including verified emails and phone numbers to improve trust.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Creditea
Description
Creditea offers a transparent and secure credit account accessible 24/7 with a mobile app to manage finances. It is part of the IPF group and serves over 1.7 million customers across 9 countries.
Key services
Credit account, Payment account, Mobile app for account management
Content quality
good
Branding
consistent

Technology

Stack
React, Next.js, Google Tag Manager, Bing Ads, OneTrust Cookie Consent
Frameworks
Next.js
Platforms
Web, iOS App, Android App
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent implemented
  • No exposed sensitive data in HTML
  • Secure forms with range inputs

Analytics and tracking

Services
Google Analytics (via Google Tag Manager), Bing Ads
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Bing Ads
Tracking pixels
Bing Ads
Marketing tools
Bing Ads
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 rich content in Estonian language.
  2. Strong focus on transparency and user-friendly credit services.
  3. Mobile app presence for iOS and Android enhances user engagement.
  4. Cookie consent and privacy policy indicate GDPR compliance.
  5. No direct contact emails or phone numbers found on main pages.
  6. WHOIS data missing, which reduces trustworthiness from domain registration perspective.
  7. No visible security vulnerabilities or exposed sensitive data.
  8. Use of modern web technologies and frameworks.
  9. Good SEO and metadata implementation.
Technical notes

Notes

The website is built using modern web technologies including React and Next.js, enabling server-side rendering and good performance. It integrates Google Tag Manager and Bing Ads for analytics and marketing. The site is mobile-optimized with responsive design and uses a cookie consent management platform (OneTrust) for privacy compliance. No CMS was explicitly detected, suggesting a custom or headless architecture. Hosting provider details are not evident from the HTML content. Performance is moderate with efficient image loading and preloading strategies. Accessibility is basic but could be improved with enhanced ARIA attributes and keyboard navigation support. SEO is well addressed with proper meta tags, Open Graph data, and structured JSON-LD for organization information. Overall, the technical infrastructure supports a professional and secure user experience but has room for accessibility improvements.
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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