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Security report for fernbach.com

FERNBACH Financial Software · Finance · Austria

Medium risk. 5 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

51/100

Risk levelMedium

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

FERNBACH Financial Software operates FlexFinance, a specialized software suite designed to optimize lending business processes including loan origination, credit lifecycle management, and risk management. The company targets banks and financial institutions, offering solutions that enhance efficiency, transparency, and compliance. With a user base exceeding 12,000 and over one million credit decisions processed annually, FERNBACH holds a solid position in the finance software niche, supported by multilingual capabilities and a consistent brand presence. Technically, the website employs modern front-end technologies such as jQuery, Bootstrap, and Popper.js, alongside analytics tools like Google Analytics and Microsoft Clarity. However, the site suffers from poor performance with a notably high load time and lacks a valid SSL certificate, which critically undermines its security posture. The absence of HTTPS and security headers exposes the site to potential risks, despite no detected vulnerabilities in SSL protocols themselves. Privacy compliance is well addressed with comprehensive privacy and cookie policies, including consent mechanisms aligned with GDPR requirements. Contact information is limited but present, primarily via a company email address. The overall website quality is good in terms of design, content relevance, and user experience, though technical and security improvements are necessary. Strategically, the company should prioritize securing its website with a valid SSL certificate and enabling HTTPS to protect user data and improve trust. Performance optimization and implementation of security headers would further enhance the site's security and user experience. Maintaining transparent privacy practices and expanding contact options could strengthen business credibility and customer confidence.

Scanned

NIS2 and GDPR posture

GDPR outside view
33/ 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

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

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

    • 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.

    • Critical

      No HTTPS Encryption

      Website does not use HTTPS encryption, making all data transmission vulnerable to interception

      What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS

  3. 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 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 fernbach.com

This scan found 16 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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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
0
Security headers
35
Email security
50
DNS health
85
Network security
100
GDPR outside view
33
Average
51

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

FERNBACH Financial Software is positioned as a specialized provider in the finance sector, focusing exclusively on lending software solutions. Their business model revolves around delivering modular, state-of-the-art components that support loan origination, risk management, and compliance, catering primarily to banks and financial institutions. The company leverages its domain expertise and long-standing market presence to offer continuous renewal strategies, helping clients modernize their lending processes incrementally. The company’s competitive advantage lies in its deep specialization, multilingual support, and proven track record with a substantial user base. Revenue streams likely derive from software licensing, support services, and consulting. The partnership ecosystem includes social media engagement but no explicit third-party business partners were identified. Growth indicators include a large volume of credit decisions processed annually and a focus on continuous product improvement.

Security posture

The current security posture of the website is weak due to the absence of a valid SSL certificate and lack of HTTPS enforcement, which is a critical vulnerability for any business handling sensitive financial information. While no active SSL/TLS vulnerabilities or subdomain takeover risks were detected, the missing security headers and lack of HSTS reduce the overall security effectiveness. Privacy policies and cookie consent mechanisms are well implemented, indicating awareness of compliance requirements. However, incident response and security policy documentation are not publicly available, which may limit transparency and readiness in case of security incidents. The use of modern analytics and tracking tools is balanced with user consent mechanisms, reflecting a moderate privacy compliance level. Overall, the site requires urgent improvements in SSL configuration and security header implementation to meet industry best practices and protect user data effectively.

Recommendations

  1. Obtain and deploy a valid SSL/TLS certificate to enable HTTPS across the entire website.
  2. Implement HTTP Strict Transport Security (HSTS) with includeSubDomains and preload directives.
  3. Add essential security headers such as Content-Security-Policy, X-Frame-Options, X-Content-Type-Options, and Referrer-Policy.
  4. Optimize website performance to reduce load times and improve user experience.
  5. Publish clear security policies and incident response procedures to enhance transparency and trust.
Technical notes

Notes

The website uses a modern front-end technology stack including jQuery 3.6.1, Bootstrap 5, and Popper.js, which supports responsive design and interactive UI components. Analytics and user behavior tracking are implemented via Google Analytics, Google Tag Manager, and Microsoft Clarity, with cookie consent managed through a dedicated consent framework. Hosting is managed through EuroDNS, as indicated by DNS records. Despite the modern stack, the site suffers from poor performance with a load time exceeding 47 seconds and a large number of resources (133) contributing to a page size of approximately 687 KB. Accessibility features are basic, and SEO optimization is good with proper meta tags and multilingual support. The lack of a CMS or backend technology identification suggests a custom or proprietary platform. Technical debt is indicated by the absence of HTTPS and missing security headers, which pose risks to business operations and user trust.
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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