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Security report for ethiaspensionfund.be

Ethias Pension Fund · Finance · Belgium

Medium risk. 7 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

62/100

Risk levelMedium

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

Ethias Pension Fund operates as a financial entity focused on pension fund services primarily targeting Belgian residents with Dutch and French language options. The website is minimalistic, serving mainly as a language selection gateway with limited content and no direct contact or business details on the landing page. The business appears to be a medium-sized financial service provider in the pension fund sector within Belgium. Technically, the website uses basic technologies such as jQuery and custom JavaScript, with no advanced frameworks or CMS detected. The site shows basic mobile optimization and SEO practices but lacks comprehensive metadata and structured data. Security posture is weak due to absence of visible HTTPS enforcement and security headers, and no privacy or terms of service policies are present, although a cookie consent banner is implemented. WHOIS data is unavailable due to registry restrictions, which limits domain legitimacy verification but privacy protection is reasonable for a financial entity. Overall, the site is accessible without WAF or blocking mechanisms but requires significant improvements in content richness, security, and compliance to enhance trust and professionalism.

Scanned

NIS2 and GDPR posture

GDPR outside view
30/ 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

7 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

  2. 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';…

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

Keep watching ethiaspensionfund.be

This scan found 25 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
20
Email security
65
DNS health
80
Network security
100
GDPR outside view
30
Average
62

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 Pension Fund occupies a niche in the Belgian financial market, focusing on pension fund management. The business model revolves around providing pension-related financial services to Belgian residents, with content presented in both Dutch and French to serve the local linguistic communities. The website's minimal content and lack of detailed business information suggest a controlled digital presence, possibly relying on offline or partner channels for customer engagement. No evident partnerships or subsidiaries are linked via the website. The absence of contact details and certifications online limits transparency and may impact customer trust. The company likely operates as a medium-sized entity within the finance sector, with growth potential tied to pension fund market dynamics in Belgium.

Security posture

The current security posture is limited due to lack of visible HTTPS enforcement and absence of security headers such as Content-Security-Policy or Strict-Transport-Security. No forms or data collection mechanisms are present, reducing immediate risk of input-based vulnerabilities. The cookie consent banner indicates some awareness of privacy compliance, but no privacy policy or terms of service are provided, which is a compliance gap under GDPR. WHOIS data is blocked, which is common for financial entities but reduces transparency. No incident response or vulnerability disclosure information is available. Overall, the site demonstrates a low to moderate security maturity level with room for improvement in encryption, headers, and compliance documentation.

Recommendations

  1. Implement HTTPS with a valid SSL/TLS certificate to secure all communications.
  2. Add comprehensive privacy and terms of service policies accessible from the website.
  3. Include contact information and business details to improve transparency and trust.
  4. Deploy security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
  5. Conduct a security audit to identify and remediate potential vulnerabilities and improve compliance.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Ethias Pension Fund
Description
Ethias Pension Fund is a financial entity focused on pension fund services, targeting Dutch and French speaking audiences in Belgium.
Key services
Pension fund management
Content quality
basic
Branding
moderate

Technology

Stack
jQuery
Performance
moderate
Mobile
basic
Accessibility
basic
SEO
basic

Security

Observed score
30/100

Analytics and tracking

Tracking level
minimal
Privacy practices
poor

Advertising

Transparency
poor

Site quality

Design
basic
User experience
basic
Content relevance
basic
Navigation
basic
Professionalism
basic
Trustworthiness
moderate

Key observations

  1. Website content is minimal and primarily a language selection landing page.
  2. No contact information or business details are provided on the landing page.
  3. Cookie banner is present with essential cookie information in French and Dutch.
  4. No privacy policy or terms of service links found on the landing page.
  5. No forms or data collection fields detected.
  6. No social media or external business-related links detected.
  7. WHOIS data is blocked with 'NOT ALLOWED' status, limiting domain ownership insights.
  8. No security headers or HTTPS information available from provided data.
  9. Scripts used are jQuery and a custom init.js, no modern frameworks detected.
  10. No analytics or tracking scripts detected in the provided HTML.
Technical notes

Notes

The website uses a simple technology stack with jQuery and custom JavaScript files. No modern frameworks or CMS platforms are detected. The HTML is minimal and lacks advanced SEO or accessibility features. Performance is likely moderate given the minimal content and scripts. Mobile optimization is basic but functional. The site lacks structured data such as JSON-LD or Open Graph tags, limiting rich search engine results. Hosting provider and SSL configuration details are not available from the provided data. Overall, the technical implementation is basic and could benefit from modernization and enhanced SEO and accessibility practices.
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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