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Security report for crediton.cz

AvaFin Czech s.r.o. · Finance · Czech Republic

Medium risk. 9 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

61/100

Risk levelMedium

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

CreditOn.cz is an established Czech online lending platform offering fast, flexible non-bank loans primarily targeting consumers needing quick financial assistance. The company operates under the legal entity AvaFin Czech s.r.o., licensed by the Czech National Bank, and is part of the Creamfinance group. The website is professionally designed, mobile-optimized, and provides clear business and contact information, enhancing user trust and accessibility. Technically, the site leverages WordPress with modern SEO and analytics tools, ensuring good performance and search visibility. Security posture is solid with HTTPS and cookie consent mechanisms, though some security headers and incident response details could be improved. WHOIS data is unavailable, which slightly reduces transparency but does not significantly impact overall legitimacy given the strong business presence and licensing. Overall, the site is safe, compliant with GDPR, and well-positioned in the Czech financial services market.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 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

9 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 crediton.cz

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

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

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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
57
Security headers
15
Email security
85
DNS health
85
Network security
100
GDPR outside view
25
Average
61

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

CreditOn operates in the competitive Czech non-bank lending sector, focusing on rapid online loan approvals and flexible repayment options. Its membership in industry associations and adherence to ethical codes provide competitive advantages. The business model centers on consumer credit lines and payday loans, with revenue generated from interest and fees. The target audience includes individuals requiring immediate financial support. The company benefits from its parent company Creamfinance's backing and rebranding efforts to AvaFin, signaling strategic growth and market consolidation. Partnerships with related domains support seamless loan processing and customer engagement. The website's content and structure reflect a mature digital presence aligned with industry standards.

Security posture

The website demonstrates a moderate to strong security posture with enforced HTTPS, cookie consent, and no visible sensitive data exposure. However, the absence of explicit security headers like Content-Security-Policy and lack of published incident response or vulnerability disclosure policies indicate areas for improvement. No security.txt or DPO contact information was found, which could enhance transparency and compliance. The use of third-party scripts and analytics is standard but requires ongoing monitoring to mitigate risks. Overall, the security maturity is adequate for the business type but could be enhanced with formal policies and technical hardening.

Recommendations

  1. Implement comprehensive security headers including Content-Security-Policy, X-Frame-Options, and X-XSS-Protection.
  2. Publish an incident response policy and provide dedicated security contact channels.
  3. Add a security.txt file to facilitate vulnerability disclosures.
  4. Enhance accessibility features to improve compliance and user experience.
  5. Regularly audit and update all third-party scripts and CMS plugins to mitigate vulnerabilities.

Contact details published on the site

Addresses
Legal name
AvaFin Czech s.r.o.
Registration number
24849707
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
AvaFin Czech s.r.o.
Description
CreditOn.cz offers fast online non-bank loans with quick money transfer, licensed by the Czech National Bank, targeting customers needing quick financial solutions.
Key services
Online quick loans, Credit lines, SMS loans before payday
Content quality
good
Branding
consistent

Technology

Stack
WordPress, Yoast SEO plugin, jQuery, Google Tag Manager, Contact Form 7
Platforms
WordPress
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Cookie consent banner implemented

Analytics and tracking

Services
Google Analytics, Google Ads, Facebook Pixel
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Google Ads, Facebook
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. Content is professionally presented and relevant to financial lending services.
  3. Strong presence of privacy and cookie policies with consent mechanisms.
  4. WHOIS data unavailable, limiting domain registration transparency.
  5. Use of modern web technologies and SEO best practices.
  6. Clear contact information and business licensing details provided.
  7. No security.txt or explicit incident response info found.
  8. No terms of service page explicitly found.
  9. Cookie consent banner is implemented and functional.
  10. No adult or questionable content detected.
Technical notes

Notes

The website is built on WordPress CMS with Yoast SEO and Contact Form 7 plugins, supported by jQuery and Google Tag Manager for analytics and marketing. The site is mobile-optimized with responsive design and preloaded fonts for performance. While hosting provider details are not explicit, the site uses external domains for loan processing and cookie management. Performance is moderate with room for optimization. The technical stack is modern and aligns with industry standards for financial service websites, though improvements in accessibility and security headers are recommended to reduce technical debt and enhance resilience.
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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