Creditreform Bulgaria operates as a leading international agency specializing in credit reporting, debt collection, and marketing analysis services primarily targeting businesses in Bulgaria and internationally. The website presents a professional and consistent brand image, with clear navigation and multilingual support. The technical infrastructure is based on TYPO3 CMS, enhanced with modern frontend libraries such as Swiper.js and Cookiebot for cookie consent management. Security posture is solid with HTTPS enforced and cookie consent mechanisms in place, though there is room for improvement in publishing explicit security policies and incident response contacts. Overall, the website demonstrates good compliance with GDPR and provides a trustworthy platform for its business operations.
Scanned ·
NIS2 and GDPR posture
GDPR outside view
95/ 100 · Low
Checks completed
7of 7
NIS2 Art. 21(2)
a(a) Risk analysis and security policies: Not visible from outside
b(b) Incident handling: One indicator
c(c) Business continuity, backups and crisis management: Not visible from outside
d(d) Supply chain security: Not visible from outside
e(e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
f(f) Assessing the effectiveness of security measures: Not visible from outside
g(g) Cyber hygiene and security training: Not visible from outside
h(h) Cryptography and encryption: Partly checked
i(i) HR security, access control and asset management: One indicator
j(j) Multi-factor authentication and secured communications: Not visible from outside
Partly checked
One indicator
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
2 findings rated critical or high. Fix these first.
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 Content-Security-Policy header
Controls resources the browser is allowed to load
What to do: Implement a Content-Security-Policy appropriate for your application
This scan found 19 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
72
Security headers
70
Email security
70
DNS health
60
Network security
100
GDPR outside view
95
Average
78
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 creditreform.bg, from OffSeq Breach.
No leaked records found
Breach holds no records for creditreform.bg right now. New leaks arrive continuously, so monitoring on Breach alerts you if that changes.
Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.
Business context
Business profile
The company positions itself as a key player in the finance sector, offering credit reports and debt collection services across multiple countries, supported by a network of related Creditreform domains. The business model is B2B focused, serving companies needing creditworthiness assessments and receivables management. The presence of multiple related domains indicates a broad partnership ecosystem. The website content and structure support lead generation and customer engagement through service descriptions and membership offerings. Growth potential is supported by international reach and diversified service lines.
Security posture
The website enforces HTTPS and uses a reputable cookie consent solution (Cookiebot), indicating awareness of privacy and security best practices. However, no explicit security policy or incident response information is published, which could be improved to enhance transparency and readiness. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. Security headers were not explicitly identified, suggesting an opportunity to strengthen HTTP response security. Overall, the security posture is good but could benefit from formal documentation and additional technical controls.
Recommendations
Publish a dedicated security policy page outlining security practices and compliance.
Provide clear incident response contact information, such as security@ or abuse@ email addresses.
Implement and verify security headers like Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
Consider publishing a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
Regularly audit third-party scripts and cookie usage to ensure ongoing compliance and security.
Site observations
Automated reading of the public site. Ratings are indicative.
Business
Company
Creditreform Bulgaria
Description
Creditreform Bulgaria is a leading international agency for collection and management of private and corporate receivables in Bulgaria and abroad.
Key services
credit reports, debt collection in Bulgaria and internationally, marketing analysis, membership services
Content quality
good
Branding
consistent
Technology
Stack
TYPO3 CMS, Swiper.js, Cookiebot, Google Analytics
Frameworks
TYPO3
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good
Security
Observed score
80/100
Good practices seen
HTTPS enforced
Cookie consent mechanism implemented
No exposed sensitive data in HTML
Analytics and tracking
Services
Google Analytics
Tracking level
moderate
Privacy practices
good
Advertising
Ad networks
Google
Tracking pixels
Cookiebot
Marketing tools
Cookiebot
Transparency
good
Site quality
Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high
Key observations
Website uses TYPO3 CMS with modern frontend technologies.
Cookie consent is implemented with Cookiebot, indicating GDPR compliance.
No explicit contact emails or phone numbers found in the HTML; contact likely via contact form.
No visible security.txt or vulnerability disclosure page.
No explicit security policy or incident response information published.
Website content is in Bulgarian with multilingual support.
External links mostly to related Creditreform group domains and trusted third parties.
No suspicious or malicious content detected.
Technical notes
Notes
The website is built on TYPO3 CMS, a mature and extensible content management system suitable for enterprise use. Frontend technologies include Swiper.js for interactive sliders and Cookiebot for GDPR-compliant cookie management. The site is mobile-optimized with responsive design and uses modern font loading techniques. Performance is moderate, with compressed CSS assets and lazy loading of fonts and images. SEO is supported by structured data (JSON-LD) for website and search actions. Accessibility is basic but present, with ARIA roles and labels in cookie consent dialogs. Hosting provider details were not identified from the HTML content.
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.
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