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Security report for fmo.nl

FMO · Finance · Netherlands

Low risk. 1 critical or high finding in SSL/TLS.

Security score

79/100

Risk levelLow

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

FMO is the Dutch entrepreneurial development bank with over 50 years of experience investing sustainably in emerging markets. The organization supports economic development by financing projects in sectors such as energy, financial institutions, and agribusiness across more than 85 countries. Their business model focuses on partnering with other financiers to open new markets and take on challenging investments with significant risk exposure. The website reflects a mature, professional institution with clear communication and comprehensive information for partners and stakeholders. Technically, the website uses a modern CMS (Procurios), integrates YouTube videos via privacy-enhanced domains, and employs Google Tag Manager for analytics and tracking. The site is mobile-optimized, accessible, and SEO-friendly, with good performance and structured navigation. Privacy and cookie policies are clearly presented with consent mechanisms, indicating compliance with GDPR requirements. From a security perspective, the site enforces HTTPS, uses privacy-conscious embedded content, and implements cookie consent. However, explicit security policies, incident response details, and vulnerability disclosure mechanisms are not publicly available, representing an area for improvement. No vulnerabilities or exposed sensitive data were detected in the content. Overall, the website is trustworthy, professional, and well-maintained, supporting the organization's credibility and mission. Strategic recommendations include publishing security policies, adding vulnerability disclosure information, and enhancing security header visibility to further strengthen the security posture.

Scanned

NIS2 and GDPR posture

GDPR outside view
83/ 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. 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.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

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

Keep watching fmo.nl

This scan found 18 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

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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
62
Security headers
85
Email security
70
DNS health
75
Network security
100
GDPR outside view
83
Average
79

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

FMO holds a strong market position as a Dutch development bank specializing in sustainable investments in emerging markets. Their competitive advantage lies in their extensive experience, risk appetite, and ability to partner with other financiers to unlock new opportunities. The business model is centered on impact investing across key sectors such as energy, financial institutions, and agribusiness. Revenue streams likely include returns on investments and management of public funds. Target customers include financial institutions, project developers, and development organizations. Growth indicators include active public procurement opportunities and a global presence with offices in multiple countries. The partnership ecosystem is robust, with social media engagement and transparent communication channels. The website content and structure reflect a mature and stable organization with a clear strategic focus.

Security posture

The current security maturity level is good, with HTTPS enforced and privacy-conscious embedding of third-party content. Cookie consent mechanisms are implemented, supporting GDPR compliance. No critical vulnerabilities or exposed sensitive data were found. However, the absence of a publicly available security policy, incident response plan, and vulnerability disclosure process limits transparency and readiness perception. The use of Google Tag Manager introduces moderate tracking but is managed with user consent. The organization should consider publishing explicit security documentation and providing dedicated security contact channels to improve incident response readiness and security culture. Overall, the security posture is solid but can be enhanced with better communication and formalized policies.

Recommendations

  1. Publish a comprehensive security policy and incident response plan on the website.
  2. Implement and publish a vulnerability disclosure policy and security.txt file.
  3. Enhance HTTP security headers such as Content-Security-Policy and X-Frame-Options and make them visible.
  4. Regularly audit and update third-party scripts to mitigate potential vulnerabilities.
  5. Provide clear security contact channels (e.g., security@fmo.nl) for reporting incidents.

Contact details published on the site

Addresses
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
FMO
Description
FMO is the Dutch entrepreneurial development bank with over 50 years of expertise in sustainable private sector investments in emerging markets. They invest in over 85 countries supporting jobs, income generation, and improving lives. They partner with others to lower thresholds for financiers and open new markets, taking on challenging investments and significant risk.
Key services
Investment in energy projects, Investment in financial institutions, Investment in agribusiness, food & forestry, Public procurement opportunities
Content quality
excellent
Branding
consistent

Technology

Stack
YouTube iframe API, Google Tag Manager, Procurios CMS, Prototype JS, AMD Loader
Frameworks
Procurios CMS
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism implemented
  • No exposed sensitive data in HTML
  • Use of YouTube nocookie domain for embedded videos

Analytics and tracking

Services
Google Analytics (via GTM)
Tracking level
moderate
Privacy practices
good

Advertising

Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well-structured.
  2. Clear and comprehensive privacy and cookie policies with consent mechanisms.
  3. Multiple contact methods including emails, phone numbers, and physical addresses in multiple countries.
  4. Use of modern web technologies and embedded media with privacy considerations.
  5. No signs of malicious content or security blocking.
  6. Strong social media presence on major platforms.
  7. No explicit security policy or incident response information publicly available.
  8. No vulnerability disclosure or security.txt found.
Technical notes

Notes

The website is built on the Procurios CMS platform, utilizing modern JavaScript libraries such as Prototype.js and AMD Loader. It integrates YouTube videos via the privacy-enhanced youtube-nocookie.com domain and uses Google Tag Manager for analytics and tracking. The site is mobile-optimized with responsive design and good accessibility features. Performance is moderate, with asynchronous loading of scripts and optimized CSS. The technical infrastructure is stable and well-maintained, though hosting provider details are not explicitly identified. Opportunities exist to improve security header implementation and to formalize technical documentation related to security and privacy.
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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