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Security report for creditreform.ro

Creditreform · Finance · Romania

Medium risk. 5 critical or high findings in Email security, Security headers and 1 other check.

Security score

70/100

Risk levelMedium

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

Creditreform Romania operates as a financial services provider specializing in credit reporting, risk assessment, debt collection, and market analysis. The company targets businesses seeking to evaluate creditworthiness and manage financial risks. The website reflects a mature digital presence with a professional design and clear navigation, supporting a B2B business model. The use of TYPO3 CMS and integration of Cookiebot for GDPR-compliant cookie management demonstrates a commitment to modern web standards and privacy compliance. Security posture is strong with HTTPS enforced and no visible vulnerabilities, although security headers could be improved. The absence of explicit contact emails or phone numbers on the homepage suggests contact details may be behind login or other pages. WHOIS data is privacy protected, typical for Romanian domains, and does not raise immediate concerns. Overall, the website and business appear legitimate and professionally managed.

Scanned

NIS2 and GDPR posture

GDPR outside view
95/ 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

5 findings rated critical or high. Fix these first.

  1. Email security

    SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.

    • Critical

      No email authentication configured

      Domain is vulnerable to email spoofing

      What to do: Implement SPF, DKIM, and DMARC immediately

    • High

      No SPF record found

      SPF helps prevent email spoofing

      What to do: Add SPF record: "v=spf1 include:_spf.yourmailprovider.com ~all"

  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 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';…

  3. 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
    • High

      SSL Certificate Expires Soon

      SSL certificate expires in 15 days

      What to do: Renew SSL certificate before expiration

      • NIS2 21(2)(h)
      • IR 2024/2690 9.2(c): Implementing Regulation (EU) 2024/2690, Annex point 9.2(c): Cryptography
      • NIST SC-17: NIST SP 800-53 Rev. 5 SC-17: Public Key Infrastructure Certificates

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

Keep watching creditreform.ro

This scan found 22 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

€39.90one-time

  • The complete analysis as a PDF you can cite
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  • Lifetime access to this report

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
52
Security headers
70
Email security
40
DNS health
60
Network security
100
GDPR outside view
95
Average
70

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 Romania is positioned as a key player in the Romanian credit and risk management market, leveraging a network of related domains across Europe. Their business model focuses on providing credit reports, risk evaluation, and debt collection services to corporate clients. The presence of multiple partner domains and regional portals indicates a broad partnership ecosystem and regional integration. The company likely generates revenue through subscription or service fees for credit information and collection services. The website content and structure cater to business users, emphasizing trust and professionalism. Growth indicators include multilingual support and integration with global Creditreform services.

Security posture

The website demonstrates a solid security foundation with HTTPS enabled and a comprehensive cookie consent mechanism that aligns with GDPR requirements. No critical security headers were detected in the HTML content, suggesting room for improvement in HTTP security header implementation. No exposed sensitive data or vulnerable libraries were identified. The absence of a published security policy or incident response contact limits transparency in security governance. No security.txt file was found, which could enhance vulnerability disclosure processes. Overall, the security posture is good but could benefit from enhanced header policies and published security governance documentation.

Recommendations

  1. Implement and enforce security headers such as Content-Security-Policy, X-Frame-Options, and X-XSS-Protection to strengthen browser security.
  2. Publish a clear security policy and incident response contact information on the website to improve transparency and trust.
  3. Add a security.txt file to facilitate responsible vulnerability disclosure and improve security communication.
  4. Consider making contact information more accessible on the public website to enhance user trust and support.
  5. Regularly audit third-party scripts and cookies to ensure ongoing compliance with privacy regulations and security best practices.

Contact details published on the site

Addresses
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Creditreform
Description
Creditreform Romania is a financial services company providing credit reports, risk assessment, debt collection, market studies, and monitoring services to businesses.
Key services
Credit reports, Risk assessment, Debt collection, Company monitoring, Market studies and analyses
Content quality
good
Branding
consistent

Technology

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

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent banner with granular consent options

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google
Tracking pixels
Cookiebot
Marketing tools
Google Ads, YouTube embedded video tracking
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. Compliant cookie consent mechanism implemented
  3. No exposed sensitive data or security issues detected in HTML
  4. WHOIS data is privacy protected, limiting registrant visibility
  5. No direct contact emails or phone numbers found in HTML content
  6. Multiple related domains indicate a broad regional presence
  7. No security.txt or explicit security policy found
  8. No terms of service page detected explicitly
Technical notes

Notes

The website is built on TYPO3 CMS, a robust and widely used content management system, indicating a stable technical foundation. Frontend technologies include Swiper.js for interactive elements and Cookiebot for cookie management, reflecting modern web practices. The site is mobile optimized with responsive design and good SEO metadata including JSON-LD structured data for search engines. Performance is moderate, with compressed CSS assets and lazy loading of fonts. Accessibility is basic but present, with ARIA roles and labels in cookie consent dialogs. Hosting provider details are not explicitly found. Overall, the technical infrastructure supports a professional and compliant web presence with opportunities for performance and security enhancements.
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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