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Security report for creditportal.cz

CreditPortal, a.s. · Finance · Czech Republic

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

Security score

64/100

Risk levelMedium

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

CreditPortal, a.s. is a Czech licensed financial services company specializing in consumer loans, offering both short-term and installment loan products. The company emphasizes transparency, fair lending practices, and compliance with Czech consumer credit laws. Their website provides clear product information, loan calculators, and customer support channels, positioning them as a trustworthy lender in the Czech market. Technically, the website employs modern web technologies including Google Tag Manager, Zopim Live Chat, and Selectize.js, with good mobile optimization and user experience. Security posture is solid with HTTPS enforcement and cookie consent mechanisms, though some security headers and incident response disclosures could be improved. The absence of WHOIS data limits domain trust analysis, but business licensing and contact information support legitimacy. Overall, the site is professional, secure, and compliant with privacy regulations.

Scanned

NIS2 and GDPR posture

GDPR outside view
40/ 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

6 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

      Third-party services without privacy policy

      Detected services: Google Analytics, Google APIs

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

  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 creditportal.cz

This scan found 25 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.

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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
62
Security headers
30
Email security
70
DNS health
80
Network security
100
GDPR outside view
40
Average
64

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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention creditportal.cz, from OffSeq Breach.

Total records
14
Employees
0
Customers
14
Third parties
0
Weak passwords
57%

2 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for creditportal.cz.

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Breach keeps ingesting new leaks, so these numbers can grow between scans.

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

CreditPortal operates in the Czech financial sector as a medium-sized licensed lender, targeting consumers seeking quick and transparent loans. Their business model focuses on online loan applications with clear terms and customer service support. Membership in APNÚ and licensing by the Czech National Bank enhance their market credibility. The company leverages partnerships such as HyperFinance for additional trust signals. Their digital presence includes tracking and marketing tools to optimize customer acquisition and retention. The company appears stable with consistent branding and a focus on regulatory compliance, though domain registration opacity suggests a need for improved transparency.

Security posture

The website demonstrates a mature security posture with HTTPS, form validation, and cookie consent compliance. However, the lack of visible security headers like Content-Security-Policy and absence of a published incident response or vulnerability disclosure policy represent gaps. No vulnerabilities or exposed sensitive data were detected in the HTML content. The use of third-party scripts is standard but requires ongoing monitoring for security risks. Overall, the security maturity is good but could benefit from enhanced header policies and formal incident response documentation to improve resilience and trust.

Recommendations

  1. Implement HTTP security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security to harden the website against common attacks.
  2. Publish an incident response and abuse contact page to improve transparency and readiness for security events.
  3. Add a security.txt file to facilitate responsible vulnerability disclosure and improve security communication.
  4. Enhance accessibility features to meet WCAG standards and improve user inclusivity.
  5. Regularly audit and update third-party scripts to mitigate risks from external dependencies.

Contact details published on the site

Addresses
Legal name
CreditPortal, a.s.
Registration number
05561302
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
CreditPortal, a.s.
Description
CreditPortal, a.s. offers fast consumer loans without hidden fees, providing short-term and long-term loan products to customers in the Czech Republic. They emphasize fair treatment, transparent contracts, and compliance with consumer credit laws.
Key services
Short-term loans (Credit 30), Long-term installment loans (Credit 365), Customer support and loan management, Loan extension options
Content quality
good
Branding
consistent

Technology

Stack
Google Tag Manager, Zopim Live Chat, jQuery, Selectize.js, Bootstrap (implied by classes), Custom JavaScript modules
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Form validation with LiveForm
  • Cookie consent mechanism with granular controls
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Tag Manager, Seznam.cz tracking
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Seznam.cz tracking
Marketing tools
Zopim Live Chat
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 challenges.
  2. WHOIS data is unavailable, limiting domain registration trust analysis.
  3. Website uses HTTPS and modern web technologies.
  4. Clear cookie consent and privacy policy mechanisms are implemented.
  5. Company is licensed by Czech National Bank and a member of industry association.
  6. Contact information is clearly presented with phone, email, and address.
  7. No security.txt or explicit incident response contact found.
  8. No adult or questionable content detected; content is safe for general audiences.
Technical notes

Notes

The website uses a modern tech stack including Google Tag Manager for analytics, Zopim Live Chat for customer support, and Selectize.js for enhanced form controls. The site is built with responsive design principles and includes client-side validation for forms. Performance is moderate with room for optimization. No CMS was detected, suggesting a custom or proprietary platform. Hosting provider details are not disclosed. SEO is supported by proper meta tags and structured navigation. Accessibility is basic but could be improved. Overall, the technical infrastructure supports the business needs effectively but could benefit from performance tuning and enhanced accessibility compliance.
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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