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Security report for ge.mba

Gemba Finance Ltd. · Finance · United Kingdom

Low risk. 4 critical or high findings in Security headers and SSL/TLS.

Security score

77/100

Risk levelLow

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

Gemba Finance Ltd. operates a fintech business banking platform specializing in Banking as a Service (BaaS) and white-label online banking solutions. Founded in 2019 and based in London, UK, the company targets businesses seeking integrated financial management, global payroll, escrow, and international payment services. Their market positioning emphasizes enabling companies to become fintech companies themselves through their platform offerings. Technically, the website is built on WordPress with modern SEO and analytics integrations, including Google Analytics and Cookiebot for GDPR-compliant cookie management. Hosting and domain registration are stable and consistent with the business profile. Security posture is solid with HTTPS enforced and cookie consent mechanisms in place, though improvements such as enabling DNSSEC and additional security headers are recommended. Overall, the website presents a professional and trustworthy front with clear contact information and social media presence, supporting business credibility and compliance.

Scanned

NIS2 and GDPR posture

GDPR outside view
95/ 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

4 findings rated critical or high. Fix these first.

  1. 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';…

  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.

    • High

      Weak SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

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

Keep watching ge.mba

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.

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  • 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
65
Security headers
30
Email security
88
DNS health
85
Network security
100
GDPR outside view
95
Average
77

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

Gemba Finance Ltd. leverages a BaaS business model, providing essential banking infrastructure and services to other companies, allowing them to offer financial products under their own brand. Their key services include business accounts with IBANs, global payroll solutions, escrow services, and international payments, targeting medium-sized enterprises and fintech startups. The company maintains a consistent brand and professional online presence, supported by social media channels on LinkedIn and Facebook. The domain age and registration details align well with the company's founding date, indicating legitimacy. The absence of privacy protection on WHOIS data is appropriate for transparency in this sector. No suspicious patterns or red flags were detected in domain registration or website content.

Security posture

The website demonstrates a mature security posture with HTTPS enforced and cookie consent managed via Cookiebot, ensuring GDPR compliance. The domain is locked against unauthorized transfer or deletion, enhancing domain security. However, DNSSEC is not enabled, which is a recommended enhancement to protect against DNS spoofing. Security headers such as Content-Security-Policy and X-Frame-Options are not explicitly detected and should be implemented to mitigate common web vulnerabilities. No exposed sensitive data or vulnerable libraries were found in the HTML content. The site lacks a published security policy or incident response contact, which could improve transparency and readiness. Overall, the security posture is good but can be improved with additional technical controls and documented policies.

Recommendations

  1. Enable DNSSEC on the domain to enhance DNS security and prevent spoofing attacks.
  2. Implement additional HTTP security headers such as Content-Security-Policy, X-Content-Type-Options, and X-Frame-Options.
  3. Publish a clear security policy and incident response contact information on the website.
  4. Regularly audit third-party scripts and plugins for vulnerabilities and update them promptly.
  5. Enhance accessibility features to improve compliance and user experience for all visitors.

Contact details published on the site

Addresses
Legal name
Gemba Finance Ltd.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Gemba Finance Ltd.
Description
Creating lightening speed payments, accounting and full stack management solutions that are fully integrated and work organically within any organization 🚀
Key services
Business banking platform, Global payroll, Escrow services, International payments, Seafarer accounts
Content quality
good
Branding
consistent

Technology

Stack
WordPress, PHP, Google Analytics, Cookiebot, MonsterInsights
Frameworks
Kadence Blocks
Platforms
WordPress CMS
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent banner with granular controls
  • No exposed sensitive data in HTML
  • No vulnerable libraries detected in scripts

Analytics and tracking

Services
Google Analytics, MonsterInsights
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
MonsterInsights
Marketing tools
Cookiebot
Transparency
good

Site quality

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

Key observations

  1. Website uses modern WordPress CMS with SEO and analytics plugins.
  2. Cookie consent is implemented with Cookiebot, providing GDPR compliance.
  3. Contact information is clearly provided including email and physical address in London, UK.
  4. No security.txt or explicit security policy found on site.
  5. No incident response or abuse contact emails found.
  6. No explicit certifications displayed on site.
  7. Social media presence on LinkedIn and Facebook supports business credibility.
  8. No adult or questionable content detected; content is business finance focused.
  9. Site performance is moderate; mobile optimization is good.
  10. Security headers could be improved; DNSSEC is not enabled.
Technical notes

Notes

The website is built on WordPress CMS with a modern tech stack including PHP, Kadence Blocks for layout, and integrations with Google Analytics and Cookiebot for analytics and privacy compliance. Hosting appears stable with a reputable registrar (Squarespace Domains II LLC). Performance is moderate with good mobile optimization and SEO practices in place. The site uses structured data (JSON-LD) to enhance search engine understanding and includes Open Graph metadata for social media sharing. No critical technical debt or outdated technologies were detected, though enabling DNSSEC and improving security headers would strengthen the technical infrastructure. The site is well-structured with clear navigation and professional design, supporting a positive user experience.
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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