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Security report for e-krediidiinfo.ee

AS CREDITINFO EESTI · Finance · Estonia

Medium risk. 5 critical or high findings in GDPR outside view.

Security score

75/100

Risk levelMedium

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

AS CREDITINFO EESTI operates the e-krediidiinfo.ee website, providing comprehensive credit and business information services primarily for Estonian, Lithuanian, and Finnish companies. The platform offers services such as credit risk assessments, monitoring, payment default management, and sanctions screening, targeting businesses seeking to evaluate their partners and clients. The website demonstrates a professional design with clear navigation and relevant content tailored to its target audience. However, the technical infrastructure shows room for improvement, particularly in security and performance aspects. The absence of a valid SSL certificate and HTTPS support is a critical vulnerability that undermines user trust and data security. The site employs modern web technologies and integrates multiple analytics and marketing tools with a compliant cookie consent mechanism, reflecting a moderate level of digital maturity.

Scanned

NIS2 and GDPR posture

GDPR outside view
0/ 100 · Critical
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

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

    • High

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, Twitter, LinkedIn, Cloudflare

      What to do: Document all third-party data sharing in your privacy policy

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

Keep watching e-krediidiinfo.ee

This scan found 14 issues across 5 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

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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
100
Security headers
95
Email security
70
DNS health
85
Network security
100
GDPR outside view
0
Average
75

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 as a leading credit information provider in Estonia with regional reach. Its business model is subscription and service-based, offering value-added services such as credit monitoring and sanctions checks. The website content and external links indicate partnerships with established entities like Creditinfo Group and integration with trusted third-party services. The presence of certifications such as 'EDUKAS EESTI ETTEVÕTE' enhances credibility. The target customer segment includes businesses requiring reliable credit data and risk management tools. Growth indicators include continuous service updates and a comprehensive offering of credit-related products.

Security posture

The current security posture is weak due to the lack of a valid SSL certificate and disabled TLS protocols, exposing users to potential data interception risks. No security headers are implemented, and advanced security features like HSTS and OCSP stapling are absent. The site does implement CSRF tokens and a cookie consent mechanism, which are positive indicators. However, the critical absence of HTTPS significantly lowers the security score and poses a compliance risk under GDPR and other data protection regulations. No incident response or security policy information is publicly available, suggesting limited transparency in security governance.

Recommendations

  1. Install and maintain a valid SSL/TLS certificate to enable HTTPS across the entire site.
  2. Enable modern TLS protocols (TLS 1.2 or TLS 1.3) and configure security headers such as HSTS, Content-Security-Policy, and X-Frame-Options.
  3. Publish clear security and incident response policies to enhance transparency and trust.
  4. Optimize website performance to reduce load times and improve user experience.
  5. Regularly audit third-party scripts and tracking tools to ensure privacy compliance and minimize security risks.

Contact details published on the site

Addresses
Legal name
AS CREDITINFO EESTI
Technical notes

Notes

The website uses Laravel as its backend framework and integrates several third-party JavaScript libraries including jQuery, Google Tag Manager, Google reCAPTCHA, Hotjar, and Facebook Pixel. The front-end is responsive and supports mobile devices well, though accessibility features are basic. Performance metrics indicate a slow load time of approximately 5.8 seconds with a large page size (~537 KB) and 40 resource requests, suggesting potential for optimization. SEO is supported with proper meta tags and structured cookie consent. Hosting details are not explicitly identified. The lack of SSL and modern TLS protocols is a significant technical deficiency that should be prioritized.
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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