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Security report for dkm.de

DKM Darlehnskasse Münster eG · Finance · Germany

Low risk. 1 critical or high finding in SSL/TLS.

Security score

78/100

Risk levelLow

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

DKM Darlehnskasse Münster eG is a cooperative financial institution specializing in providing loan and banking services primarily to church organizations and Caritas partners in Germany. The website reflects a professional and consistent brand presence, targeting a niche audience within the non-profit and religious sectors. The business model centers on financial partnership and support for these organizations, positioning itself as a trusted regional financial partner. Technically, the website employs modern JavaScript frameworks, notably Angular, and integrates advanced analytics and monitoring tools such as Adobe Launch and Dynatrace Ruxit. The presence of a cookie consent mechanism via OneTrust indicates awareness of privacy compliance requirements, although explicit privacy and terms of service documents are not found in the provided content. The site is mobile-optimized with good SEO and accessibility basics, though some improvements could be made. From a security perspective, the website enforces HTTPS and uses security best practices like cookie consent and monitoring. However, the absence of published security policies, incident response contacts, and vulnerability disclosure mechanisms suggests room for maturity improvement. No critical vulnerabilities or exposed sensitive data were detected. Overall, the website is trustworthy and professionally maintained but would benefit from enhanced transparency in privacy, terms, and security policies to improve compliance and user trust. Strategic recommendations include publishing comprehensive privacy and terms documents, adding incident response contacts, and enhancing accessibility and security disclosures.

Scanned

NIS2 and GDPR posture

GDPR outside view
88/ 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

1 finding rated critical or high. Fix these first.

  1. 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 dkm.de

This scan found 19 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

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  • 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
77
Security headers
85
Email security
55
DNS health
65
Network security
100
GDPR outside view
88
Average
78

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

DKM Darlehnskasse Münster eG operates in the finance sector with a focus on serving church and Caritas organizations, indicating a specialized niche market. Its cooperative structure suggests a community-oriented business model. The website's integration with partner domains like atruvia.de and atruvia.com indicates a partnership ecosystem likely supporting IT and hosting services. The use of advanced analytics and monitoring tools reflects a commitment to digital maturity. The absence of direct contact information on the main page may indicate a controlled communication channel, possibly through partner networks or internal systems. The business appears stable with a medium size and regional focus in Germany, targeting non-profit and religious sectors. No parent or subsidiary companies were identified from the data.

Security posture

The website demonstrates a moderate to good security posture with HTTPS enforced and use of security monitoring tools like Dynatrace Ruxit. Cookie consent is implemented, supporting GDPR compliance efforts. However, the lack of explicit privacy policies, terms of service, security policies, and incident response contacts limits transparency and preparedness. No vulnerable libraries or exposed sensitive data were detected in the HTML content. The absence of a security.txt or vulnerability disclosure page suggests that the organization may not have a formalized vulnerability management or reporting process publicly available. Overall, the security maturity is adequate but could be improved by publishing relevant policies and contact points, enhancing user trust and compliance.

Recommendations

  1. Publish a comprehensive privacy policy and terms of service accessible from the website footer or main navigation.
  2. Implement and publish a security policy and incident response contact information to improve transparency and readiness.
  3. Add a security.txt file or vulnerability disclosure page to facilitate responsible vulnerability reporting.
  4. Enhance website accessibility features to meet higher standards and improve user experience for all visitors.
  5. Regularly review and update third-party scripts and analytics tools to ensure no vulnerabilities or privacy issues.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
DKM Darlehnskasse Münster eG
Description
DKM Darlehnskasse Münster eG is a financial institution serving church and Caritas partners, providing banking and loan services.
Key services
Loan services, Banking products, Financial partnership for church and Caritas
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, Angular (implied by mat- and ng- prefixes), Adobe Launch (Adobe DTM), OneTrust Cookie Consent, Ruxit (Dynatrace) monitoring
Frameworks
Angular
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
Dynatrace Ruxit, Adobe Analytics (implied via Adobe Launch)
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
Adobe DTM, Dynatrace Ruxit
Marketing tools
OneTrust Cookie Consent, Adobe Launch
Transparency
basic

Site quality

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

Key observations

  1. Website is professionally designed and targeted at church and Caritas partners.
  2. No explicit privacy policy or terms of service pages found in provided content.
  3. Cookie consent mechanism is implemented via OneTrust.
  4. No contact emails or phone numbers explicitly found in the HTML content provided.
  5. Use of modern JavaScript frameworks and Adobe/Dynatrace analytics indicates mature technical infrastructure.
  6. No security.txt or vulnerability disclosure information found.
  7. No signs of WAF or content blocking detected.
  8. WHOIS data is minimal but consistent with a legitimate domain.
Technical notes

Notes

The website is built using modern web technologies, including Angular framework and JavaScript modules, indicating a contemporary front-end architecture. Integration with Adobe Launch and Dynatrace Ruxit shows advanced analytics and performance monitoring capabilities. The site uses a custom or proprietary CMS platform, as indicated by the 'homepage-cms-renderer-ui' script. Performance is moderate, with preloading of CSS and scripts to optimize loading times. Mobile optimization is good, with responsive design elements detected. SEO is supported by canonical links and meta tags, including Open Graph tags for social sharing. Hosting provider details are not explicitly available, but the use of atruvia name servers suggests a specialized hosting or IT service provider. Overall, the technical infrastructure is solid with opportunities to improve accessibility and performance 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

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