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Security report for geldlessen.nl

Wijzer in geldzaken · Education · Netherlands

Medium risk. 7 critical or high findings in GDPR outside view and Security headers.

Security score

53/100

Risk levelMedium

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

Geldlessen.nl is a Dutch educational platform operated by Wijzer in geldzaken, dedicated to improving financial literacy among school-aged children and youth in the Netherlands. The platform offers a comprehensive range of educational materials, teacher training, podcasts, and subsidy information to support financial education across primary, secondary, and vocational education sectors. It holds a strong market position as a trusted non-profit initiative with consistent branding and a clear mission. Technically, the website is built on a modern stack using nginx, JavaScript modules, and integrates Google Tag Manager and ReadSpeaker for accessibility and analytics. The hosting appears to be on DigitalOcean. The site is well-structured, mobile-optimized, and SEO-friendly, providing an excellent user experience. However, the absence of a valid SSL certificate and HTTPS support is a critical security shortfall. From a security perspective, the site lacks a valid SSL/TLS certificate, uses no modern TLS protocols, and has malformed CAA DNS records. While some security headers like HSTS are present, the overall security posture is weak, exposing the site to potential risks. Privacy compliance is well addressed with a comprehensive cookie consent mechanism and GDPR-aligned privacy policy. Overall, the site is a credible and professional educational resource but requires urgent security improvements, particularly in SSL/TLS deployment, to protect user data and enhance trust. Strategic recommendations include immediate SSL certificate installation, DNS record corrections, and publishing security policies to strengthen the security posture and compliance.

Scanned

NIS2 and GDPR posture

GDPR outside view
0/ 100 · Critical
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

7 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

      EU business without adequate privacy measures

      EU businesses are subject to strict GDPR requirements

      What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

  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 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';…

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Keep watching geldlessen.nl

This scan found 17 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
50
Security headers
30
Email security
50
DNS health
90
Network security
100
GDPR outside view
0
Average
53

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

Geldlessen.nl operates as a non-profit educational platform under Wijzer in geldzaken, targeting Dutch schools and educators to promote financial literacy. Its business model focuses on providing free educational content, teacher training, and resources supported by subsidies. The platform benefits from partnerships with related organizations like Week van het geld, enhancing its reach and impact. The consistent content updates and social media engagement indicate active community involvement and growth potential. Revenue streams likely include government or institutional funding and grants. The platform's competitive advantage lies in its specialized focus on financial education and official backing by a recognized Dutch initiative.

Security posture

The website's security maturity is currently low due to the lack of a valid SSL certificate and absence of HTTPS, which is a critical vulnerability for any modern website. The server uses nginx but does not support any TLS protocols, and no OCSP stapling or session resumption is enabled. DNSSEC is disabled, and CAA records are malformed, indicating DNS security weaknesses. No published security or incident response policies were found, and no vulnerability disclosure or security.txt files exist. While cookie consent and privacy policies are well implemented, the overall security posture exposes users to risks such as data interception and undermines trust. Immediate remediation of SSL/TLS and DNS configurations is essential to improve security and compliance.

Recommendations

  1. Install and maintain a valid SSL/TLS certificate to enable HTTPS across the entire site.
  2. Enable modern TLS protocols (TLS 1.2 and TLS 1.3) and configure OCSP stapling and session resumption for improved security and performance.
  3. Correct the malformed CAA DNS records and consider enabling DNSSEC for enhanced DNS security.
  4. Publish clear security policies and incident response procedures to improve transparency and preparedness.
  5. Continue to maintain and enhance privacy compliance mechanisms, including cookie consent and GDPR adherence.
Technical notes

Notes

The website is hosted on a server running nginx, likely on DigitalOcean infrastructure, with IPv4 and IPv6 addresses. The site uses modern front-end technologies including JavaScript modules and SVG icons, and integrates Google Tag Manager for analytics and ReadSpeaker for accessibility. The CMS appears to be a custom or specialized platform (inferred from URL patterns). The site is mobile-optimized and SEO-friendly with proper meta tags and Open Graph data. However, the lack of a valid SSL certificate and disabled TLS protocols represent significant technical debt and security risk. Performance data was not available, but the site structure and resource usage suggest moderate performance. Accessibility features such as skip links and ReadSpeaker integration indicate good attention to inclusive design.
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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