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Security report for ethias.be

Ethias · Finance · Belgium

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

Security score

71/100

Risk levelMedium

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

Ethias is a well-established Belgian insurance company providing a range of personal and professional insurance products. The website serves as a multilingual splash page directing users to specific sections for individuals and professionals, with links to related services such as pension funds, leasing, and careers. The company targets both private customers and business clients within Belgium, positioning itself as a key player in the Belgian finance and insurance sector. The website's branding is consistent and professional, reflecting the company's market presence. Technically, the website is built on Adobe Experience Manager 6.5, leveraging modern web technologies including Adobe Launch for tag management, Dynatrace for performance monitoring, and Google reCAPTCHA for bot protection. The site is mobile optimized and uses Angular components for interactive features like co-browsing. While performance is moderate, the site lacks some advanced SEO and accessibility features. Security best practices such as HTTPS and cookie consent are implemented, but explicit security headers are missing. From a security perspective, the site demonstrates a solid posture with encrypted communications and monitoring tools in place. However, the absence of visible privacy policies, terms of service, and contact information for security incidents reduces transparency and compliance confidence. The WHOIS data is unavailable due to registry restrictions, but the domain and website content align with a legitimate business entity. No vulnerabilities or suspicious patterns were detected. Overall, Ethias's website is professional and trustworthy, with room for improvement in privacy disclosures, security headers, and accessibility. Strategic enhancements in these areas would strengthen compliance and user trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 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

  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 ethias.be

This scan found 21 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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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
80
DNS health
70
Network security
100
GDPR outside view
25
Average
71

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

Ethias operates in the Belgian insurance market, serving both individual and professional clients. Its business model focuses on providing comprehensive insurance solutions, including personal insurance, employer-related insurance, and services for companies and collectivities. The company maintains a strong digital presence with multiple related domains for specialized services, indicating a diversified service portfolio. Ethias leverages partnerships and subsidiaries to extend its offerings, such as pension funds and leasing services. The website's multilingual support reflects its commitment to serving Belgium's diverse linguistic communities. The company appears to be large and established, with a focus on B2C and B2B markets. The digital infrastructure suggests ongoing investment in technology and customer engagement tools.

Security posture

Ethias's website employs HTTPS encryption and integrates Google reCAPTCHA to mitigate automated abuse. Monitoring via Dynatrace and live chat support through Genesys indicate active operational security measures. However, the lack of explicit security headers such as Content Security Policy (CSP), HSTS, and X-Frame-Options represents a missed opportunity to harden the site against common web attacks. The absence of published privacy policies and incident response contacts limits transparency and may impact GDPR compliance. No exposed sensitive data or vulnerable libraries were detected. Overall, the security posture is solid but could be enhanced by implementing recommended headers and improving privacy disclosures.

Recommendations

  1. Implement and publish a comprehensive privacy policy and terms of service pages accessible from the splash page.
  2. Add standard security headers including Content Security Policy (CSP), HTTP Strict Transport Security (HSTS), X-Frame-Options, and X-XSS-Protection.
  3. Provide clear contact information for security incidents and data protection officer details to improve compliance and trust.
  4. Enhance website accessibility to meet WCAG standards for a broader audience reach.
  5. Improve SEO metadata completeness and structured data to boost search engine visibility.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Ethias
Description
Ethias is a Belgian insurance company offering personal and professional insurance products, including private insurance and employer-related insurance for individuals, as well as insurance for collectivities, companies, and self-employed professionals.
Key services
Personal insurance, Professional insurance, Ethias Services, Ethias Pension Fund, Ethias Lease
Content quality
good
Branding
consistent

Technology

Stack
Adobe Experience Manager (AEM 6.5), Adobe Launch (Adobe DTM), Google reCAPTCHA v2, Dynatrace monitoring, Surfly co-browsing, Genesys Live Chat API
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Google reCAPTCHA integration
  • Cookie consent mechanism
  • Use of Dynatrace for monitoring

Analytics and tracking

Services
Adobe Analytics, Dynatrace, Microsoft UET
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
Adobe Analytics (via Adobe DTM), Microsoft UET, Adobe Experience Platform
Marketing tools
Adobe Launch, Dynatrace, Genesys Live Chat
Transparency
basic

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 challenge
  2. WHOIS data is unavailable due to registry restrictions
  3. No explicit privacy policy or terms of service pages found on splash page
  4. Cookie consent mechanism is implemented
  5. No contact emails or phone numbers found on splash page
  6. Use of modern web technologies and monitoring tools
  7. Good branding and consistent corporate identity
  8. No security headers detected in provided data
  9. No forms present on splash page
  10. Multiple external domains linked are official Ethias related domains
Technical notes

Notes

The website is built on Adobe Experience Manager 6.5, a robust enterprise CMS platform, indicating a mature digital infrastructure. It uses Adobe Launch for tag management and integrates third-party services such as Dynatrace for performance monitoring and Google reCAPTCHA for bot mitigation. The presence of Angular components suggests modern frontend development practices. The site is mobile optimized and uses preloading for fonts and scripts to improve performance. However, some SEO and accessibility best practices are only basic, and security headers are missing. The hosting provider is not explicitly identified. Overall, the technical stack is modern and enterprise-grade but could benefit from incremental improvements in security and SEO.
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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