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Security report for elcoin.co.uk

Elcoin Ltd · Finance · United Kingdom

Medium risk. 6 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

60/100

Risk levelMedium

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

Elcoin Ltd is a UK-based fintech company founded in 2017, specializing in providing full cycle financial technology systems and resources tailored for neobanks, marketplaces, and Banking as a Service (BaaS) providers. Their business model focuses on outsourcing core fintech infrastructure and administration, enabling clients to concentrate on their core business activities. The company positions itself as a niche fintech infrastructure provider with a strong emphasis on modular, scalable solutions including risk management, API hubs, and internet banking platforms. The website reflects a professional and consistent brand image with clear navigation and relevant content targeting financial service businesses. Technically, the website is built using modern JavaScript frameworks such as Nuxt.js and Vue.js, incorporating Google reCAPTCHA v3 for form security and Google Tag Manager for analytics. Tracking technologies like Lead Forensics and BPM Online are used for marketing and user behavior insights. The site is mobile optimized with good performance and basic accessibility features. However, some security headers are missing, and no explicit cookie consent mechanism is present despite the use of tracking scripts. From a security perspective, the site enforces HTTPS and uses spam protection on forms, but lacks published security policies, incident response contacts, and advanced security headers. The WHOIS data is consistent with the business claims, showing a legitimate UK-registered company with appropriate domain age. No suspicious or malicious content was detected, and the site is safe for general audiences. Overall, Elcoin's website demonstrates a solid business and technical foundation with room for improvement in security best practices and privacy compliance. Strategic enhancements in security headers, cookie consent, and incident response transparency would strengthen trust and compliance posture.

Scanned

NIS2 and GDPR posture

GDPR outside view
53/ 100 · Medium
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

6 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 Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • 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. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • 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

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

Keep watching elcoin.co.uk

This scan found 28 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.

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Full report

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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
15
Email security
60
DNS health
55
Network security
100
GDPR outside view
53
Average
60

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

Elcoin operates in the fintech sector, targeting emerging financial service providers such as neobanks, marketplaces, and BaaS platforms. Their competitive advantage lies in offering modular, deployable fintech infrastructure that reduces client overhead by outsourcing complex backend systems. Revenue streams likely include licensing, SaaS subscriptions, and integration services. The company targets B2B customers seeking scalable and cost-effective fintech solutions. Growth indicators include a 7-year domain age, active social media presence, and a comprehensive website outlining multiple service offerings. Partnerships with tracking and analytics providers indicate a focus on marketing and customer acquisition. The company maintains a UK legal presence with VAT and registration numbers, enhancing credibility. Strategic observations suggest a focus on scalability, integration, and risk management as key differentiators in a competitive fintech landscape.

Security posture

Elcoin's security posture is moderate. The website enforces HTTPS and uses Google reCAPTCHA v3 to protect forms from spam and abuse. Input validation is implemented on contact and subscription forms. However, the absence of key security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security reduces protection against common web attacks. No published security policy or incident response contact information limits transparency and readiness for security incidents. The use of third-party tracking scripts introduces potential privacy and security risks if not regularly audited. GDPR compliance is partially addressed via a privacy policy, but lack of cookie consent mechanisms is a compliance gap. Overall, while basic security measures are in place, improvements are needed to elevate security maturity and compliance.

Recommendations

  1. Implement comprehensive security headers including Content-Security-Policy, X-Frame-Options, X-Content-Type-Options, and Strict-Transport-Security to enhance protection against web vulnerabilities.
  2. Publish a formal security policy and provide clear incident response contact information to improve transparency and readiness.
  3. Introduce a cookie consent banner/mechanism to comply with EU cookie laws and improve privacy compliance.
  4. Regularly audit and monitor third-party scripts and tracking technologies to mitigate potential security and privacy risks.
  5. Enhance accessibility features and conduct usability testing to improve compliance and user experience for all visitors.

Contact details published on the site

Addresses
Legal name
Elcoin Ltd
VAT number
GB306917694
Registration number
10755607
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Elcoin Ltd
Description
Elcoin combines experience and technology to equip clients with full cycle fintech systems and resources, deployable on demand. They offer outsourcing of infrastructure and administration to allow clients to focus on core business.
Key services
Full cycle fintech systems, Neobank solutions, Marketplace financial services, Banking as a Service (BaaS), Risk management, API Hub, Internet banking platform, Integrations
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, jQuery, Google reCAPTCHA v3, Google Tag Manager, Lead Forensics tracking, BPM Online tracking scripts, Nuxt.js (Vue.js SSR framework)
Frameworks
Nuxt.js, Vue.js
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
70/100
Good practices seen
  • HTTPS enforced
  • Google reCAPTCHA v3 used on forms
  • Input validation on contact and subscription forms

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
Lead Forensics, BPM Online
Marketing tools
Lead Forensics, BPM Online
Transparency
basic

Site quality

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

Key observations

  1. Website is a professional fintech service provider targeting neobanks and marketplaces.
  2. No explicit cookie consent mechanism detected despite tracking scripts present.
  3. Contact form uses Google reCAPTCHA v3 for spam protection.
  4. No explicit security policy or incident response information published.
  5. Website uses modern JavaScript frameworks and tracking technologies.
  6. Company is registered in the UK with VAT and registration numbers displayed.
  7. Social media presence on Twitter, LinkedIn, and Telegram.
  8. No suspicious or malicious content detected.
Technical notes

Notes

The website is built on a modern JavaScript stack using Nuxt.js and Vue.js frameworks, enabling server-side rendering and modular development. It leverages Google reCAPTCHA v3 for spam prevention and Google Tag Manager for analytics integration. Lead Forensics and BPM Online scripts indicate marketing and user behavior tracking capabilities. The site is mobile optimized with responsive design and uses custom fonts and CSS for branding consistency. Hosting details are not explicit but domain registration is via GoDaddy. Performance is moderate with asynchronous loading of scripts. No CMS detected, suggesting a custom or framework-based build. Technical risks include missing security headers and reliance on multiple third-party scripts which require ongoing security management. Opportunities exist to improve SEO, accessibility, and security configurations to enhance overall technical maturity.
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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