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Security report for creditreform.rs

Creditreform d.o.o. · Finance · Serbia

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

Security score

80/100

Risk levelLow

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

Creditreform d.o.o. is a well-established financial services company operating in Serbia since 1992, specializing in creditworthiness assessment, risk evaluation, debt collection, and market analysis. The company is part of the broader Creditreform network, serving business clients seeking reliable credit and risk information. The website reflects a professional B2B service provider with a clear focus on the Serbian market and regional partnerships. Technically, the site is built on TYPO3 CMS and integrates modern cookie consent management via Cookiebot, ensuring GDPR compliance. The infrastructure is hosted by a local cloud provider, with a moderate performance profile and good mobile optimization. Security posture is solid with HTTPS enforced and cookie consent implemented, though improvements in security headers and explicit security policies are recommended. Overall, the website is trustworthy, compliant, and professionally maintained, supporting the company's market position and business credibility.

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

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.rs

This scan found 18 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

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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
85
DNS health
60
Network security
100
GDPR outside view
95
Average
80

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

The company holds a strong market position in Serbia's financial services sector, leveraging the international Creditreform brand. Its business model focuses on providing credit risk and debt collection services to other businesses, indicating a B2B revenue stream. The presence of multiple related domains in the cookie consent list suggests a broad partnership ecosystem within the Creditreform group, enhancing service reach and credibility. The website content and structure indicate a medium-sized enterprise with consistent branding and good content quality. The company targets businesses requiring credit risk assessment and debt recovery solutions, positioning itself as a trusted partner in financial risk management.

Security posture

The website demonstrates a mature security posture with mandatory HTTPS and a comprehensive cookie consent mechanism aligned with GDPR requirements. However, explicit security policies, incident response contacts, and advanced security headers like Content-Security-Policy are not publicly disclosed, representing areas for enhancement. No vulnerabilities or exposed sensitive data were detected in the HTML content. The domain registration is consistent and transparent, further supporting trustworthiness. Overall, the security maturity is good but can be improved by adopting additional best practices and publishing security-related policies.

Recommendations

  1. Implement and enforce security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to enhance protection against common web attacks.
  2. Publish a dedicated security policy and incident response contact information to improve transparency and readiness.
  3. Enable DNSSEC for the domain to strengthen DNS security.
  4. Conduct regular third-party script audits to ensure no vulnerable or malicious libraries are included.
  5. Enhance accessibility features to meet higher compliance standards and improve user experience for all visitors.

Contact details published on the site

Addresses
Legal name
Creditreform d.o.o.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Creditreform d.o.o.
Description
Creditreform d.o.o. operates in Serbia since 1992, providing creditworthiness assessment, risk evaluation, debt collection, and market analysis services.
Key services
Creditworthiness assessment, Risk evaluation, Debt collection, Market analysis
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
75/100
Good practices seen
  • HTTPS enforced
  • Cookie consent 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

  1. Website uses TYPO3 CMS with modern cookie consent via Cookiebot.
  2. Comprehensive cookie consent and privacy compliance observed.
  3. Clear business focus on credit risk and debt collection services in Serbia.
  4. No security challenge or WAF blocking detected.
  5. Good technical implementation with room for security header improvements.
  6. No explicit security or incident response policies publicly disclosed.
  7. Multiple related domains indicate a broad partner network within Creditreform group.
  8. No suspicious or malicious content detected.
Technical notes

Notes

The website is powered by TYPO3 CMS, a robust and scalable content management system suitable for enterprise use. It uses modern frontend libraries such as Swiper.js for interactive elements and Cookiebot for cookie consent management. Hosting is provided by a local cloud services company, ensuring regional compliance and performance. The site shows good mobile optimization and SEO practices, including structured data (JSON-LD) for search engines. Performance is moderate, with potential improvements in loading speed and accessibility. The technical stack is modern and well-maintained, with opportunities to enhance 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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