Skip to main content

Security report for finom.co

Finom · Finance · Netherlands

Low risk. 1 critical or high finding in GDPR outside view.

Security score

88/100

Risk levelLow

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

Finom is a fintech company founded in 2019, providing online business banking and financial management solutions tailored for SMEs, freelancers, and entrepreneurs across multiple European countries. The platform offers business accounts with local IBANs, cashback rewards, electronic invoicing, and accounting integrations, leveraging partnerships with licensed banks SolarisBank and Treezor. Finom positions itself as a fast, reliable, and secure financial platform with multilingual support and regulatory compliance under De Nederlandsche Bank (DNB). Technically, the website is built on modern frameworks such as Next.js and React, hosted on Amazon Cloudfront CDN, and optimized for mobile and SEO. The site employs TLS encryption and security best practices, including strong security headers and GDPR compliance. The user experience is professional, with clear navigation, comprehensive content, and trust signals like awards and customer reviews. Security posture is strong, with encrypted data transfers, no exposed sensitive information, and deposit insurance coverage. However, the site lacks a dedicated security policy and incident response contact details, which could enhance transparency and trust. Overall, the domain registration aligns well with the business claims, supporting legitimacy and credibility. The website is safe for general audiences, contains no adult or questionable content, and provides clear contact channels primarily via email and web forms. Strategic recommendations include publishing explicit security and incident response policies, enhancing vulnerability disclosure, and maintaining rigorous third-party script audits to sustain security and compliance.

Scanned

NIS2 and GDPR posture

GDPR outside view
80/ 100 · Low
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

1 finding 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.

    • 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 finom.co

This scan found 13 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.

Billed monthly to your card. Cancel anytime. The full timeline opens with your unlock code.

Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • Lifetime access to this report

Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

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
100
Security headers
80
Email security
80
DNS health
85
Network security
100
GDPR outside view
80
Average
88

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

Finom operates in the competitive European fintech market, focusing on providing comprehensive financial services to SMEs and freelancers. Its competitive advantage lies in its partnerships with regulated banks, enabling local IBAN issuance and deposit insurance, which enhances customer trust. The business model revolves around offering a digital-first banking experience with value-added services like cashback and invoicing automation. Revenue streams likely include subscription plans, transaction fees, and value-added financial products. The target customer segments are small to medium enterprises, freelancers, and entrepreneurs primarily in Germany, France, Italy, and the Netherlands, with plans to expand. The company demonstrates growth potential through multilingual support, extensive blog content, and active social media presence. Strategic partnerships with SolarisBank and Treezor strengthen its ecosystem and regulatory compliance.

Security posture

Finom exhibits a mature security posture with enforced HTTPS, strong encryption, and compliance with GDPR. The platform does not store user banking credentials and uses double encryption with one-time passwords for authentication. Security headers are properly configured, and deposit insurance provides an additional layer of financial security. However, the absence of a public security policy and incident response contact limits transparency. No vulnerabilities or exposed sensitive data were detected in the website content. The company should consider implementing a vulnerability disclosure program and publishing a security.txt file to improve security culture and incident handling readiness. Overall, Finom's security practices align well with industry standards for fintech services.

Recommendations

  1. Publish a dedicated security policy page outlining security measures and user protections.
  2. Provide clear incident response contact channels, such as a security@ or abuse@ email address.
  3. Implement and publicize a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  4. Regularly audit and update third-party scripts and dependencies to mitigate potential vulnerabilities.
  5. Enhance transparency around data protection officer contact information to strengthen GDPR compliance.

Contact details published on the site

Addresses
Legal name
PNL FINTECH BV and Finom Payments BV
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Finom
Description
Finom is an online payment solution for entrepreneurs that makes it easy to open a business account and securely manage their finances. Authorized by De Nederlandsche Bank (DNB), it provides business accounts, automated accounting, electronic invoicing, payments, cards, and multilingual customer support across the EU/EEA.
Key services
Business accounts with German, Italian, and French IBANs, Cashback on expenses up to 3%, Electronic invoicing, Accounting software integrations, Payment processing, Cards issuance, Multilingual customer support
Content quality
excellent
Branding
consistent

Technology

Stack
React, Next.js, JavaScript, WebP images, TLS encryption
Frameworks
Next.js
Platforms
Cloudfront CDN
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • TLS encrypted data transfers
  • No access to user banking credentials
  • Double encryption and one-time passwords for login
  • DSGVO (GDPR) compliance
  • Deposit insurance protection

Analytics and tracking

Tracking level
moderate
Privacy practices
good

Advertising

Transparency
basic

Site quality

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

Key observations

  1. Website is fully accessible with rich content and no blocking mechanisms.
  2. Strong regulatory compliance and partnerships with licensed financial institutions.
  3. Comprehensive multilingual support and localized content for multiple European countries.
  4. Clear and detailed FAQ section addressing security, licensing, and operational questions.
  5. Use of modern web technologies and good SEO practices.
  6. Presence of cookie consent mechanism and privacy controls.
  7. No exposed sensitive data or security vulnerabilities detected in the content.
  8. No direct phone numbers found; contact primarily via email and web forms.
Technical notes

Notes

The website leverages a modern technology stack including React and Next.js, ensuring server-side rendering and optimized performance. Hosting on Amazon Cloudfront CDN contributes to fast content delivery globally. The site uses WebP images for efficient media loading and implements TLS encryption for secure data transmission. SEO is well addressed with proper meta tags, Open Graph, and JSON-LD structured data. Mobile optimization is excellent, with responsive design and accessible navigation. No CMS was detected, indicating a custom or proprietary solution. The technical infrastructure supports scalability and a positive user experience, though continuous monitoring of third-party scripts is advised to maintain security and performance.
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

Reviews of this site

Share your experience with finom.co. Every review is verified by email and published after moderation.

Overall rating
Select a rating
4000 characters remaining

We’ll email you to confirm your review and keep your details private.

Community rating

No published reviews yet. Be the first to review finom.co.

Feedback on this report

Rate this report, add an optional comment, and tell us if you want a security specialist to follow up.

Overall report quality
Select a rating
2000 characters remaining

We only use your feedback to improve Guard reports. Contact details are never shared.