Skip to main content

Security report for crediteurope.nl

Nexent Bank · Finance · Netherlands

Low risk. 1 critical or high finding in SSL/TLS.

Security score

79/100

Risk levelLow

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

Nexent Bank is a Dutch financial institution specializing in retail banking products such as savings accounts and term deposits. The website targets Dutch customers and emphasizes competitive interest rates and deposit protection under the Dutch Deposit Guarantee Scheme. The digital infrastructure includes modern tracking and consent management tools like Google Tag Manager and Cookiebot, indicating a mature approach to privacy compliance. However, explicit contact information and security policies are not prominently displayed, which could be improved to enhance trust and transparency. The site is well-designed, mobile-optimized, and provides a good user experience with clear navigation and relevant content.

Scanned

NIS2 and GDPR posture

GDPR outside view
83/ 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

1 finding rated critical or high. Fix these first.

  1. 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 SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

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

Keep watching crediteurope.nl

This scan found 17 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.

Billed monthly to your card. Cancel anytime. The full timeline opens with your unlock code.

Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • Lifetime access to this report

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
75
Security headers
70
Email security
70
DNS health
75
Network security
100
GDPR outside view
83
Average
79

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

Nexent Bank positions itself as a niche player in the Dutch retail banking sector, focusing on simple, flexible savings products with guaranteed interest rates. The business model revolves around attracting retail savers with competitive rates and a secure banking environment. The presence of related domains such as crediteurope.nl and crediteurope.de suggests a partnership or group affiliation, potentially expanding their market reach. The website's content and structure support a straightforward customer journey from product information to account opening, supported by a mobile app. The lack of visible contact details and terms of service pages may limit customer confidence and regulatory transparency.

Security posture

The website enforces HTTPS and uses a reputable cookie consent management platform (Cookiebot), demonstrating compliance with GDPR cookie regulations. However, the absence of detailed security headers and a published security policy or incident response contact reduces the overall security maturity. No vulnerabilities or exposed sensitive data were detected in the HTML content. The use of Google Analytics and Google Tag Manager is standard but requires ongoing monitoring to ensure privacy compliance. Recommendations include implementing security headers, publishing a security policy, and providing clear incident response contacts to strengthen security posture.

Recommendations

  1. Implement HTTP security headers such as Content-Security-Policy, X-Frame-Options, and X-XSS-Protection to enhance protection against common web attacks.
  2. Publish a dedicated security policy and incident response contact information to improve transparency and readiness.
  3. Add a clearly accessible terms of service page to comply with legal and regulatory requirements.
  4. Enhance accessibility features to meet WCAG standards for broader user inclusivity.
  5. Improve SEO by adding Open Graph tags and structured data to increase search engine visibility and social media sharing quality.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Nexent Bank
Description
Bij ons geniet je van de beste rentetarieven! Beleggen, sparen of je geld parkeren, Nexent Bank. Flexibele spaarrekening. Vastrentende deposito's met aantrekkelijke voorwaarden, een welkomstbonus voor nieuwe klanten, heel eenvoudig en veilig.
Key services
Savings accounts, Term deposits, Online banking, Mobile banking app
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, Google Tag Manager, Cookiebot, QR Code Styling library
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with opt-in mechanism
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google AdSense
Marketing tools
Cookiebot
Transparency
good

Site quality

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

Key observations

  1. Website uses Cookiebot for GDPR-compliant cookie consent
  2. No explicit privacy policy page on the domain but links to Cookiebot privacy policy
  3. No visible contact emails or phone numbers on homepage HTML
  4. No terms of service page detected
  5. Uses Google Analytics and Google Tag Manager for tracking
  6. No security.txt or vulnerability disclosure found
  7. No explicit data protection officer contact found
  8. Website content is in Dutch targeting Dutch retail banking customers
  9. Mobile optimized with responsive design
  10. No suspicious or malicious content detected
Technical notes

Notes

The website uses modern JavaScript libraries and integrates third-party services like Google Tag Manager and Cookiebot for analytics and consent management. The site is mobile responsive and loads with moderate performance. There is no detected CMS or hosting provider information from the HTML content. The technical implementation is solid but could benefit from enhanced accessibility and SEO optimizations. No deprecated or vulnerable libraries were detected in the provided HTML content. The site architecture supports a clear user journey with product overviews, calculators, and app promotion.
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

Reviews of this site

Share your experience with crediteurope.nl. Every review is verified by email and published after moderation.

Overall rating
Select a rating
4000 characters remaining

We’ll email you to confirm your review and keep your details private.

Community rating

No published reviews yet. Be the first to review crediteurope.nl.

Feedback on this report

Rate this report, add an optional comment, and tell us if you want a security specialist to follow up.

Overall report quality
Select a rating
2000 characters remaining

We only use your feedback to improve Guard reports. Contact details are never shared.