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Security report for grandcredit.lv

AS "Grand Credit" · Finance · Latvia

Medium risk. 5 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

61/100

Risk levelMedium

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

Grand Credit is a Latvian financial services company specializing in secured loans against real estate collateral, including mortgages, business loans, and refinancing options. The company targets both private individuals and businesses within Latvia, offering a range of credit products with competitive interest rates starting from 4% annually. The website presents a professional and consistent brand image, providing comprehensive contact details and company registration information, which supports its credibility in the local market. Technically, the website employs modern web technologies including Google Maps API for location services and uses standard web components such as Bootstrap Carousel and jQuery. The site is mobile-optimized and provides a good user experience with clear navigation and relevant content. However, there is no evidence of advanced security headers or analytics tools, and no explicit cookie consent mechanism is present despite having a privacy and cookie policy page. From a security perspective, the site uses HTTPS and secure forms for data collection, but lacks visible security headers and incident response information. The absence of WHOIS data due to query limits restricts full domain legitimacy verification, but the available business information and website content suggest a legitimate and established entity. Overall, the security posture is moderate with room for improvement in transparency and technical safeguards. The overall risk assessment is low to moderate, with recommendations to enhance security headers, implement explicit cookie consent, and publish security policies to improve trust and compliance. The website is suitable for its target audience and maintains a professional online presence consistent with its business operations.

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

5 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. 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

  3. 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 grandcredit.lv

This scan found 22 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. See sample alerts.

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
72
Security headers
25
Email security
85
DNS health
75
Network security
40
GDPR outside view
68
Average
61

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

Grand Credit operates in the Latvian finance sector, focusing on secured lending products primarily backed by real estate collateral. Its diversified loan portfolio includes universal business loans, microloans for debt consolidation, mortgage loans, and refinancing programs. The company appears to have a stable market position with a physical office in Riga and a clear legal identity. Revenue streams likely derive from interest on loans and associated financial services. The target customer segments include private individuals seeking home-related loans and businesses requiring development financing. The website's multilingual support (Latvian and Russian) indicates an inclusive approach to the local market. There is no indication of partnerships or subsidiaries from the website content. Growth indicators include a range of loan products and online consultation forms facilitating customer engagement.

Security posture

The website demonstrates a basic to moderate security maturity level. HTTPS is enforced, and forms require mandatory fields, reducing some risk of injection or malformed input. However, the absence of security headers such as Content Security Policy (CSP), HTTP Strict Transport Security (HSTS), and X-Frame-Options reduces protection against common web attacks. No incident response or security contact information is published, limiting transparency and preparedness. The site does not appear to use third-party analytics or tracking that could introduce vulnerabilities, but also lacks advanced security monitoring. GDPR compliance is partially addressed through a privacy policy, but cookie consent mechanisms are missing. Overall, the security posture is adequate for a financial services website but requires enhancements to meet higher compliance and security standards.

Recommendations

  1. Implement comprehensive security headers including CSP, HSTS, and X-Frame-Options to mitigate common web vulnerabilities.
  2. Add an explicit cookie consent banner/mechanism to comply fully with GDPR and enhance user privacy transparency.
  3. Publish a dedicated security policy and incident response contact information to improve trust and preparedness.
  4. Regularly audit and update third-party scripts and libraries to avoid vulnerabilities.
  5. Enhance accessibility features and SEO optimization to improve user experience and search engine ranking.

Contact details published on the site

Addresses
Legal name
AS "Grand Credit"
VAT number
LV50003952521
Registration number
50003952521
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
AS "Grand Credit"
Description
Kredīts un aizdevums pret dzīvokļa ķīlu (vai cita nekustamā īpašuma) Rīgā, GRAND CREDIT. Ienesīgs naudas aizdevumi un pārkreditācija. Gūt labumu no kredīta kalkulatoru kredīta pret dzīvokļa ķīlu.
Key services
Loans against real estate collateral, Microloans for debt consolidation, Business loans, Mortgage loans, Loan refinancing
Content quality
good
Branding
consistent

Technology

Stack
Google Maps API, jQuery (implied by $ usage), Bootstrap Carousel, Custom CSS and JS
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • Secure forms with required fields

Analytics and tracking

Tracking level
minimal
Privacy practices
basic

Advertising

Transparency
poor

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenges.
  2. WHOIS data unavailable due to query limit error; limits domain registration verification.
  3. Comprehensive contact information and company details provided.
  4. No explicit privacy or security policy beyond privacy and cookie policy page.
  5. No visible security headers detected in provided data.
  6. Use of Google Maps API for location display.
  7. Multiple loan products targeting both individuals and businesses.
  8. No social media links detected.
  9. No analytics or tracking scripts detected beyond Google Maps.
  10. Forms collect phone numbers and personal data for consultation requests.
Technical notes

Notes

The website uses a custom-built front-end with CSS and JavaScript, leveraging Google Maps API for geolocation features and Bootstrap components for UI elements like carousels. The absence of a detected CMS suggests a bespoke or lightly customized platform. Performance is moderate with no evident heavy scripts or slow-loading resources. Mobile optimization is good, with viewport meta tags and responsive design elements. SEO is supported by meta keywords, descriptions, and Open Graph tags. Accessibility is basic, with labeled form fields but no ARIA roles or advanced accessibility features detected. Hosting provider and backend technologies are not identifiable from the provided data.
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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