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Security report for crefobirojs.lv

AS CREFO Birojs · Finance · Latvia

Medium risk. 5 critical or high findings in GDPR outside view and SSL/TLS.

Security score

70/100

Risk levelMedium

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

AS CREFO Birojs operates as a licensed credit information bureau in Latvia, providing credit risk management and credit history services to both private individuals and corporate members. The company is part of the Creditreform group and aims to promote responsible lending and borrowing practices. Their platform integrates key credit information sources to offer comprehensive credit data and monitoring services. The website reflects a professional and trustworthy business with clear contact details, licensing information, and compliance with GDPR through privacy and cookie policies. Technically, the website employs a modern JavaScript stack including jQuery, Moment.js, and Tippy.js for UI enhancements and internationalization support. The site is mobile optimized and provides secure login options via internet banking authentication. However, no explicit security headers or incident response policies are visible, and WHOIS data could not be retrieved, limiting domain trust verification. Security posture is moderate with HTTPS usage and secure authentication methods, but improvements are recommended in security headers and incident response transparency. Privacy compliance is strong with clear policies and consent mechanisms. Overall, the site is functional, professional, and credible, though lacking some advanced security disclosures. Strategically, the company should focus on enhancing security transparency, obtaining and publishing domain registration details, and maintaining compliance to strengthen trust and reduce risk exposure.

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

5 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 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
    • High

      SSL Certificate Expires Soon

      SSL certificate expires in 4 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 crefobirojs.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

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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
62
Security headers
80
Email security
70
DNS health
65
Network security
100
GDPR outside view
40
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

AS CREFO Birojs holds a strong market position as a licensed credit bureau in Latvia, leveraging its affiliation with the Creditreform group. Its business model centers on providing credit information exchange and risk management services to financial institutions and private customers. The company targets banks, lenders, and consumers seeking credit monitoring and history verification. Revenue likely derives from subscription or service fees paid by corporate members and individual users. The platform's integration of multiple credit data sources and internet banking authentication provides competitive advantages in data accuracy and security. The company maintains a clear partnership ecosystem within the Latvian financial sector but does not publicly disclose subsidiaries or related domains. Growth indicators include digital service offerings and compliance with EU data protection regulations.

Security posture

The website demonstrates a moderate security maturity level with HTTPS enforced and secure login via internet banking authentication. Cookie consent and privacy policies indicate awareness of GDPR requirements. However, the absence of visible security headers (e.g., CSP, HSTS) and lack of published incident response or security policies represent compliance gaps. No vulnerabilities or exposed sensitive data were detected in the HTML content. The site does not appear to use analytics or tracking scripts that could introduce privacy risks. Incident response readiness and security culture indicators are not publicly documented, suggesting room for improvement in transparency and preparedness.

Recommendations

  1. Implement and publish a comprehensive security policy and incident response plan accessible on the website.
  2. Add and enforce security headers such as Content Security Policy (CSP), HTTP Strict Transport Security (HSTS), and X-Frame-Options.
  3. Obtain and display verified WHOIS domain registration data to improve trust and legitimacy perception.
  4. Conduct regular security audits of third-party libraries and update them to mitigate vulnerabilities.
  5. Enhance transparency around data protection officer contact and data retention policies to strengthen GDPR compliance.

Contact details published on the site

Addresses
Legal name
AS CREFO Birojs
VAT number
LV40103947718
Registration number
40103947718
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
AS CREFO Birojs
Description
CREFO Birojs dibināts, lai sekmētu atbildīgu kreditēšanu un godprātīgu aizņemšanos. Kredītinformācijas birojs palīdzēs uzņēmumiem pārvaldīt kredītriskus un privātpersonām uzzināt savu kredītvēsturi.
Key services
Kredītinformācijas apmaiņa, Kredītrisku pārvaldība, Kredītvēstures sniegšana, Finanšu saistību monitorings
Content quality
good
Branding
consistent

Technology

Stack
jQuery 3.3.1, Moment.js, jQuery Autocomplete, jQuery Date Range Picker, Vanilla Notify, Tippy.js, jQuery i18n
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
70/100
Good practices seen
  • HTTPS implied by URL (https://crefobirojs.lv/)
  • Use of secure authentication methods including internetbank authentication
  • Cookie consent banner implemented

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 is fully accessible with no blocking or WAF challenges.
  2. WHOIS data unavailable due to query limit error; no registrar or domain age info extracted.
  3. Website provides clear business and contact information consistent with a licensed credit bureau.
  4. Privacy and cookie policies are present and GDPR compliant.
  5. No explicit security policy or incident response information found.
  6. Use of modern JavaScript libraries and good mobile optimization.
  7. No analytics or advertising scripts detected, indicating minimal tracking.
  8. Secure login with internetbank authentication methods implemented.
  9. No suspicious or external partner domains detected beyond fonts.googleapis.com.
Technical notes

Notes

The website uses a modern JavaScript-based front-end stack with jQuery and supporting libraries for UI and internationalization. The site is mobile responsive and includes cookie consent mechanisms. No CMS or hosting provider information is evident from the HTML. Performance appears moderate based on included scripts and page structure. The site lacks advanced SEO structured data such as JSON-LD or Open Graph tags beyond basic meta tags. Accessibility features are basic but present. Technical risks include missing security headers and unknown SSL configuration details. Opportunities exist to modernize the tech stack further and improve security hardening.
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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