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Security report for creditreform.cz

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

Low risk. 2 critical or high findings in Security headers and SSL/TLS.

Security score

82/100

Risk levelLow

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

Creditreform s.r.o. is a Czech-based financial services company specializing in credit information, scoring, debt collection, and market analysis. The company provides comprehensive economic data and certification services to businesses, supporting credit risk assessment and financial stability verification. Their market position is solid within the regional finance sector, supported by a network of partner domains across Europe. The website is built on TYPO3 CMS and integrates modern frontend technologies and cookie consent management via Cookiebot, reflecting a mature digital infrastructure. Security posture is good with HTTPS enforced and cookie consent implemented, though some security headers could be improved. The absence of public WHOIS data due to privacy protection slightly reduces transparency but is common for such businesses. Overall, the site is professional, compliant with GDPR, and trustworthy for business users.

Scanned

NIS2 and GDPR posture

GDPR outside view
100/ 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

2 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 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. 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 Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

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

Keep watching creditreform.cz

This scan found 15 issues across 5 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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Recommended

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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
75
Email security
70
DNS health
75
Network security
100
GDPR outside view
100
Average
82

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.cz, from OffSeq Breach.

No leaked records found

Breach holds no records for creditreform.cz right now. New leaks arrive continuously, so monitoring on Breach alerts you if that changes.

Monitor on Breach (opens in a new tab)

Technical appendix

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

Business context

Business profile

Creditreform operates primarily in the finance sector, offering B2B services including credit scoring, economic information databases, debt collection, and ESG scoring. Their revenue streams likely include subscription access to databases, certification issuance, and debt management services. The company targets businesses needing reliable credit and financial data for decision-making. The broad partner ecosystem across multiple European countries enhances their market reach and service capabilities. The business model is service-oriented with a focus on data accuracy and compliance. Growth indicators include multilingual offerings and ESG integration, aligning with modern sustainability trends.

Security posture

The website demonstrates a good security baseline with HTTPS and cookie consent mechanisms in place. However, explicit security headers like Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options are not visibly configured in the HTML source, which could be improved to mitigate common web vulnerabilities. No exposed sensitive data or vulnerable libraries were detected. The site lacks a publicly visible security policy or incident response contact, which could enhance transparency and preparedness. Overall, the security posture is adequate for the business type but could benefit from enhanced header configurations and documented security policies.

Recommendations

  1. Implement comprehensive security headers including CSP, X-Frame-Options, and X-Content-Type-Options to strengthen web security.
  2. Publish a clear security policy and incident response contact information to improve transparency and trust.
  3. Regularly audit third-party scripts and libraries to ensure no vulnerabilities are introduced.
  4. Enhance website accessibility features to improve compliance and user experience for all users.
  5. Maintain and update cookie consent and privacy policies to stay aligned with evolving GDPR and data protection regulations.

Contact details published on the site

Addresses
Legal name
Creditreform s.r.o.
VAT number
CZ07064730
Registration number
07064730
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Creditreform s.r.o.
Description
Creditreform s.r.o. provides economic information, credit scoring, certification, debt collection, monitoring, and analysis services primarily for Czech and international companies. They offer online databases, financial stability certificates, and ESG scoring in cooperation with Creditreform Rating AG.
Key services
Economic information and scoring, Debt collection and management, Market monitoring, Financial certification (CrefoZert), ESG scoring
Content quality
good
Branding
consistent

Technology

Stack
TYPO3 CMS, Cookiebot, Swiper.js, jQuery (implied by TYPO3 typical usage), Google Analytics
Frameworks
TYPO3 CMS
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • Cookie consent management
  • 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

  1. Website uses TYPO3 CMS with modern frontend libraries
  2. Cookie consent is implemented via Cookiebot with detailed cookie categorization
  3. Contact information is clearly presented with company email and phone
  4. No WHOIS data available publicly, indicating privacy protection
  5. No security headers explicitly detected in HTML but HTTPS is enforced
  6. No signs of malware, phishing, or suspicious content
  7. Business operates in finance sector with focus on credit information and debt collection
  8. Multiple related domains indicate a broad partner network
  9. No terms of service page explicitly found
  10. No explicit security policy or incident response contact found
Technical notes

Notes

The website is built on TYPO3 CMS, a robust and scalable content management system suitable for enterprise-level sites. Frontend technologies include Swiper.js for sliders and Cookiebot for consent management, indicating modern UI/UX practices. Performance is moderate with responsive design and mobile optimization evident. SEO is supported by proper meta tags and structured data (JSON-LD) for search actions. Accessibility is basic but could be improved. Hosting provider details are not explicit. Overall, the technical infrastructure is solid but has room for optimization in security headers and 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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