Skip to main content

Security report for creditreform.sk

Creditreform s.r.o. · Finance · Slovakia

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 Slovak-based financial services company specializing in creditworthiness assessment, risk evaluation, debt collection, and insolvency services. The company targets business clients seeking reliable credit and risk information to support their commercial decisions. The website reflects a professional and consistent brand presence, offering services in multiple languages and maintaining a regional network of related domains and partners. Technically, the site is built on TYPO3 CMS, leveraging modern frontend libraries such as Swiper.js and Cookiebot for consent management, indicating a mature digital infrastructure. Security posture is strong with HTTPS enforcement and standard security headers, though explicit security and incident response policies are not publicly visible. Privacy compliance is well addressed through a comprehensive cookie consent mechanism aligned with GDPR requirements. Overall, the website demonstrates a solid business credibility and technical foundation with room for improvement in accessibility and explicit policy disclosures.

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.sk

This scan found 15 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.

Billed monthly to your card. Cancel anytime. The full timeline opens with your unlock code.

Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • 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
77
Security headers
75
Email security
70
DNS health
75
Network security
100
GDPR outside view
95
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

Technical appendix

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

Business context

Business profile

Creditreform s.r.o. operates in the finance sector, focusing on credit risk and debt management services. Its business model is B2B, serving companies that require credit reports, risk assessments, and debt collection solutions. The company benefits from a broad regional presence, as evidenced by multiple related domains across Europe, suggesting a strong partnership ecosystem. The website content and structure support clear communication of services and contact information, enhancing customer trust. The absence of explicit terms of service and security policies may be an area for future enhancement to meet evolving compliance standards. The company appears well-positioned in its market niche with a professional digital footprint.

Security posture

The website employs HTTPS with good SSL configuration and includes several security headers such as Strict-Transport-Security and X-Content-Type-Options, which help mitigate common web vulnerabilities. The use of Cookiebot for cookie consent demonstrates attention to privacy and regulatory compliance. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. However, the lack of publicly accessible security policies and incident response contacts limits transparency in security governance. The site would benefit from publishing a security.txt file and detailed security and incident response documentation to enhance trust and preparedness. Overall, the security posture is solid but could be improved with better policy visibility and accessibility compliance.

Recommendations

  1. Publish explicit terms of service and security policy pages to improve transparency and compliance.
  2. Implement and publicly link an incident response policy and contact channels for security issues.
  3. Add or confirm Content-Security-Policy HTTP header to strengthen defense against XSS and related attacks.
  4. Enhance website accessibility features to meet WCAG standards and improve user experience for all visitors.
  5. Regularly audit third-party scripts and cookies to ensure ongoing compliance and security.

Contact details published on the site

Addresses
Legal name
Creditreform s.r.o.
VAT number
SK2120861996
Registration number
IČ 51945860
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Creditreform s.r.o.
Description
Creditreform s.r.o. provides creditworthiness and risk assessment services, debt collection, monitoring, and insolvency services primarily for business clients. They offer domestic and international reports, quick checks, and detailed analyses in multiple languages.
Key services
Solventnosť & posúdenie rizík (Creditworthiness & Risk Assessment), Správa pohľadávok (Debt Collection), Insolvencie (Insolvency Services), Monitoring
Content quality
good
Branding
consistent

Technology

Stack
TYPO3 CMS, jQuery, Swiper.js, Cookiebot (consent management), Google Analytics
Frameworks
TYPO3
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with opt-in/out
  • No exposed sensitive data in HTML
  • Secure forms with consent checkboxes

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 technologies
  2. Comprehensive cookie consent mechanism implemented via Cookiebot
  3. Clear business contact information with company registration and VAT details
  4. No signs of phishing, malware, or suspicious content
  5. Multiple related domains indicate a broad regional presence
  6. No explicit privacy or security policy pages found but implied via cookie consent and privacy references
  7. No visible terms of service or incident response information
  8. Good HTTPS and security header implementation
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 technologies including Swiper.js for interactive elements and Cookiebot for GDPR-compliant cookie management. The site is mobile-optimized with responsive design and includes SEO-friendly meta tags and structured data (JSON-LD) for enhanced search engine visibility. Performance appears moderate, with compressed CSS assets and lazy loading of fonts and images. Accessibility is basic, with some ARIA roles and labels present but could be improved. No major technical debt or outdated libraries were detected, indicating a well-maintained infrastructure. Opportunities exist to improve security headers and accessibility compliance further.
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

Reviews of this site

Share your experience with creditreform.sk. Every review is verified by email and published after moderation.

Overall rating
Select a rating
4000 characters remaining

We’ll email you to confirm your review and keep your details private.

Community rating

No published reviews yet. Be the first to review creditreform.sk.

Feedback on this report

Rate this report, add an optional comment, and tell us if you want a security specialist to follow up.

Overall report quality
Select a rating
2000 characters remaining

We only use your feedback to improve Guard reports. Contact details are never shared.