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Security report for fin4coop.it

Consorzio Cooperativo Finanziario per lo Sviluppo · Finance · Italy

High risk. 6 critical or high findings in SSL/TLS, Security headers and 2 other checks.

Security score

40/100

Risk levelHigh

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

FIN4COOP is a cooperative financial intermediary operating nationally in Italy, focusing on providing financial services and support to cooperative members. The website serves as an information portal offering details on financial activities, brochures, membership procedures, financial statements, and news updates. The company targets cooperative organizations and mutual societies, positioning itself as a niche player in the cooperative finance sector with strategic partnerships and a cooperative business model. The website is professionally designed, consistent in branding, and includes trust signals such as privacy compliance and social media presence. Technically, the website is built on WordPress with a modern tech stack including jQuery, Google Maps API, and Google Analytics integrated with consent management. The site shows moderate performance and good mobile optimization. SEO practices are well implemented with proper meta tags and structured data. However, a visible PHP warning indicates a plugin issue that should be resolved to improve security and user experience. From a security perspective, the site uses HTTPS with excellent SSL configuration and employs a cookie consent mechanism via Iubenda. No critical vulnerabilities were detected, but the absence of security headers and the PHP warning reduce the security posture score. No incident response or security policy pages were found, suggesting room for improvement in transparency and preparedness. Overall, the website is trustworthy and professional with a good balance of content quality, technical implementation, and privacy compliance. Addressing the minor security issues and enhancing security headers would further strengthen the site's security and user trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
68/ 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. 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

      Unable to retrieve SSL certificate

      Could not establish secure connection to retrieve certificate information

      What to do: Check if the server is accessible and SSL/TLS is properly configured

  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';…

  3. GDPR outside view

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

    • 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 fin4coop.it

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.

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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
0
Security headers
15
Email security
70
DNS health
65
Network security
20
GDPR outside view
68
Average
40

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

FIN4COOP operates in the cooperative finance sector in Italy, serving cooperative members and mutual societies. Its business model revolves around cooperative financial intermediation and treasury services. The company has a clear market niche with a focus on social sustainability and cooperative values. Partnerships with service providers like Wikisoftware and Cedac indicate a collaborative ecosystem. The website content and structure support member engagement and transparency, with regular news updates and detailed governance information. The company appears small-sized but well-positioned within its sector, with a founding date of 2015 aligning with domain registration. The presence of subsidiaries and participated companies suggests some organizational complexity. Overall, FIN4COOP demonstrates a stable and credible business presence with growth potential in cooperative finance.

Security posture

The website demonstrates a moderate security maturity level. HTTPS is enforced with a valid SSL certificate, and privacy compliance is managed through Iubenda's cookie and privacy policies. The visible PHP warning in the HTML output indicates a plugin coding issue that could expose internal information and affect stability. The absence of security headers such as Content-Security-Policy and X-Frame-Options is a gap that could be exploited in certain attack scenarios. No explicit incident response or vulnerability disclosure mechanisms are present, which limits transparency and preparedness. The use of reputable third-party services for analytics and privacy management is positive. Overall, the security posture is adequate but could be improved by fixing code warnings, adding security headers, and publishing incident response information.

Recommendations

  1. Fix the PHP warning related to Vc_Manager::__wakeup() to prevent information leakage and improve site stability.
  2. Implement security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to enhance protection against common web attacks.
  3. Publish a security policy and incident response contact information to improve transparency and readiness.
  4. Regularly update WordPress core, themes, and plugins to mitigate vulnerabilities.
  5. Enhance accessibility features and conduct periodic security audits to maintain compliance and trust.

Contact details published on the site

Addresses
Legal name
Consorzio Cooperativo Finanziario per lo Sviluppo
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Consorzio Cooperativo Finanziario per lo Sviluppo
Description
FIN4COOP è struttura di intermediazione finanziaria cooperativa operante sull’intero territorio nazionale. Il portale offre informazioni su attività finanziaria, brochure, modalità di associazione, bilanci e news.
Key services
Financial intermediation, Treasury services, Member support, Information dissemination
Content quality
good
Branding
consistent

Technology

Stack
WordPress, PHP, jQuery, Google Maps API, Google Analytics (gtag.js), Iubenda cookie solution, WPBakery Page Builder, MonsterInsights (Google Analytics plugin), SearchWP Live Ajax Search, Max Mega Menu
Frameworks
WordPress
Platforms
WordPress CMS
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
70/100
Good practices seen
  • HTTPS enforced
  • Cookie consent banner with explicit withdrawal
  • No exposed sensitive data in HTML
  • Use of reputable third-party privacy and cookie management (Iubenda)

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Marketing tools
MonsterInsights (Google Analytics plugin)
Transparency
basic

Site quality

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

Key observations

  1. Website is professionally designed and well-structured for its niche cooperative finance audience.
  2. Use of Iubenda for privacy and cookie compliance indicates good privacy awareness.
  3. Visible PHP warning should be addressed to improve security posture and user experience.
  4. No explicit security headers detected; adding them would enhance security.
  5. Active social media presence on LinkedIn and YouTube supports trust and engagement.
  6. No signs of malicious or suspicious activity detected.
Technical notes

Notes

The website is built on WordPress 6.1.7 using WPBakery Page Builder and several plugins including MonsterInsights for Google Analytics, SearchWP for live search, and Max Mega Menu for navigation. It uses jQuery and Google Maps API for interactive features. The site loads multiple Google Fonts and external scripts from reputable sources. Performance is moderate with adaptive height sliders and responsive design. The presence of a PHP warning suggests some technical debt or plugin compatibility issues. SEO is well handled with Yoast SEO plugin generating meta tags and JSON-LD structured data. Cookie consent is managed by Iubenda scripts. The site is hosted on an unknown provider but uses HTTPS with a valid certificate. Overall, the technical infrastructure is modern but requires maintenance to fix warnings and improve security headers.
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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