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Security report for creditreform.lv

SIA “CREDITREFORM Rating” · Finance · Latvia

Medium risk. 4 critical or high findings in GDPR outside view and SSL/TLS.

Security score

72/100

Risk levelMedium

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

Creditreform.lv represents a well-established Latvian credit information provider operating since 1995. The company offers comprehensive business information services including credit reports, monitoring, marketing data, and credit scoring tools such as CrefoScore. The website reflects a professional business model targeting B2B clients seeking reliable financial data on Latvian and international companies. The site is integrated with partner services for debt collection and online portals, enhancing its service ecosystem. Technically, the website uses a modern but straightforward technology stack including jQuery, Owl Carousel, and Google Fonts. The site is mobile optimized with good navigation and content structure, though accessibility features are basic. No CMS or hosting provider details are evident. Performance is moderate with no major technical issues detected. Security posture is adequate but could be improved by adding security headers and publishing explicit security policies. No vulnerabilities or exposed sensitive data were found in the HTML content. Privacy compliance is strong with clear GDPR and cookie policies and consent mechanisms. Contact information and company registration details are transparently provided, supporting business credibility. Overall, the site presents a trustworthy and professional front for Creditreform’s credit information services. The lack of WHOIS data limits domain trust analysis, but the business and website content align well with a legitimate financial service provider. Strategic improvements in security headers, accessibility, and incident response transparency would enhance the security posture and trust further.

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

4 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. 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.lv

This scan found 20 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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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
67
Security headers
80
Email security
75
DNS health
70
Network security
100
GDPR outside view
40
Average
72

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

Creditreform.lv holds a strong market position in Latvia as a trusted credit information provider with a history dating back to 1995. Its competitive advantage lies in its comprehensive credit data offerings, unique credit scoring tool CrefoScore, and integration with an international Creditreform network spanning 22 countries. The business model focuses on B2B services providing financial risk assessment and monitoring tools to companies. Revenue streams likely include subscription access to credit reports, monitoring services, and consulting. The partnership with B2 Impact for debt collection indicates strategic outsourcing to focus on core competencies. The target customers are businesses requiring reliable credit and financial data for decision-making. The website’s clear branding, professional content, and transparent contact details support a credible market presence. Growth opportunities may include expanding digital services and enhancing data analytics capabilities.

Security posture

The website demonstrates a moderate security maturity level. HTTPS is presumed enabled though not explicitly confirmed in the HTML content. No security headers were detected in the provided data, indicating room for improvement in HTTP security configurations. The site does not expose sensitive data or vulnerable libraries in its HTML. Privacy policies and cookie consent mechanisms are implemented, supporting GDPR compliance. However, there is no visible incident response or security policy documentation, nor a vulnerability disclosure or security.txt file. The absence of security certifications or explicit frameworks suggests a basic security culture. To enhance security posture, the organization should implement recommended security headers, publish incident response and vulnerability disclosure policies, and regularly audit third-party components. These steps will reduce risk and improve trustworthiness.

Recommendations

  1. Implement comprehensive HTTP security headers including Content-Security-Policy, Strict-Transport-Security, X-Frame-Options, and X-Content-Type-Options.
  2. Publish clear security and incident response policies on the website to improve transparency and preparedness.
  3. Conduct regular security audits of third-party libraries and update them to mitigate vulnerabilities.
  4. Enhance accessibility features to meet recognized standards and improve user inclusivity.
  5. Consider establishing a vulnerability disclosure program or security.txt file to encourage responsible reporting.

Contact details published on the site

Addresses
Legal name
SIA “CREDITREFORM Rating”
VAT number
LV40003807493
Registration number
40003807493
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
SIA “CREDITREFORM Rating”
Description
Creditreform is a trusted credit information provider in Latvia operating since 1995, offering business information, credit history, and data services. It provides financial status and creditworthiness reports on Latvian and foreign companies via the CrediWeb portal, including the CrefoScore tool for assessing payment ability.
Key services
Credit information reports, Monitoring services, Marketing and company selection, Family tree data, Information on private persons, CrefoScore credit scoring
Content quality
good
Branding
consistent

Technology

Stack
jQuery 3.4.1, Owl Carousel, Vanilla Notify, bodyScrollLock, Google Fonts (Open Sans)
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
70/100
Good practices seen
  • No exposed sensitive data in HTML
  • No visible vulnerable libraries

Analytics and tracking

Tracking level
minimal
Privacy practices
good

Advertising

Transparency
poor

Site quality

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

Key observations

  1. Website content is fully accessible and not blocked by WAF or security challenges.
  2. WHOIS data unavailable due to query limit error; no registrar or domain age info.
  3. Clear business contact info and company registration details provided in footer.
  4. Privacy and cookie policies are present and GDPR compliant.
  5. No terms of service or explicit security/incident response policies found.
  6. No visible social media links or security certifications displayed.
  7. Site uses common JS libraries and Google Fonts; no CMS detected.
  8. No analytics scripts or trackers detected in HTML source.
  9. Popup informs users about debt collection services moved to partner B2 Impact.
  10. Site navigation and content structure are clear and professional.
Technical notes

Notes

The website uses a classic front-end stack with jQuery 3.4.1, Owl Carousel for sliders, and Vanilla Notify for notifications. Google Fonts (Open Sans) are used for typography. The site does not appear to use a CMS or complex backend frameworks based on the HTML content. Performance is moderate with autoplay carousels and some deferred scripts. Mobile optimization is good with responsive meta tags and mobile-specific CSS. Accessibility is basic with no ARIA landmarks or advanced features detected. SEO is basic with meta description and keywords but no Open Graph or JSON-LD structured data found. The site could benefit from modernizing its tech stack, improving accessibility, and adding structured data for better search engine visibility.
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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