FBTO · Finance · Netherlands
Low risk. 5 critical or high findings in GDPR outside view.
FBTO is a Dutch insurance provider offering a wide range of customizable insurance products including auto, health, travel, home, and legal assistance insurance. The company operates under the Achmea group umbrella, which strengthens its market position and trustworthiness. The website is professionally designed with clear navigation and good content quality, targeting Dutch consumers seeking flexible insurance solutions. Technically, the site uses a modern tech stack including Sitecore CMS, Azure hosting, and integrates multiple marketing and analytics tools. However, the security posture is weakened by the absence of a valid SSL certificate and disabled TLS protocols, which are critical issues that must be addressed immediately to protect user data and maintain trust. Privacy compliance is well addressed with clear policies and consent mechanisms. Overall, the site is functional and credible but requires urgent security improvements.
Scanned
NIS2 Art. 21(2)
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.
5 findings rated critical or high. Fix these first.
These are the privacy signals visitors and data protection authorities look for under GDPR.
EU businesses are subject to strict GDPR requirements
What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures
GDPR requires a clear and accessible privacy policy
What to do: Add a comprehensive privacy policy page and link to it prominently
GDPR requires clear information about cookie usage
What to do: Add a dedicated cookie policy explaining cookie usage and purposes
GDPR requires explicit consent for non-essential cookies
What to do: Implement a cookie consent banner that appears on first visit
Detected services: Facebook, Twitter, LinkedIn, YouTube
What to do: Document all third-party data sharing in your privacy policy
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Each check with its score, findings and the evidence it collected.
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
Not counted
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.
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
Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.
Leaked records that mention fbto.nl, from OffSeq Breach.
17 subdomains affected
See the 10 newest leaked credentials
A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for fbto.nl.
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Breach keeps ingesting new leaks, so these numbers can grow between scans.
Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.
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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