HBL Solutions · Finance · Switzerland
Medium risk. 5 critical or high findings in Email security, Security headers and 1 other check.
HBL Solutions is a Swiss Banking-as-a-Service provider operating under the regulated banking license of Hypothekarbank Lenzburg AG. The company specializes in embedding banking products such as accounts, cards, payments, securities portfolios, and pension plans into the digital customer journeys of partner companies. Their market position is that of a Swiss pioneer in embedded and open finance, supported by a robust banking infrastructure and regulatory compliance. Technically, the website is built on Umbraco CMS with modern JavaScript libraries like Swiper.js and jQuery, and employs Cookiebot for GDPR-compliant cookie consent management. However, the absence of a valid SSL certificate is a critical security gap. The security posture shows strengths in regulatory compliance and consent management but weaknesses in transport security and DNS security features. Overall, the business is well-positioned in the Swiss finance sector with a clear focus on embedded finance, but should urgently address SSL and DNS security to improve trust and compliance.
Scanned
NIS2 Art. 21(2)
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.
5 findings rated critical or high. Fix these first.
SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.
Domain is vulnerable to email spoofing
What to do: Implement SPF, DKIM, and DMARC immediately
SPF helps prevent email spoofing
What to do: Add SPF record: "v=spf1 include:_spf.yourmailprovider.com ~all"
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.
Controls resources the browser is allowed to load
What to do: Implement a Content-Security-Policy appropriate for your application
These are the privacy signals visitors and data protection authorities look for under GDPR.
GDPR requires clear information about cookie usage
What to do: Add a dedicated cookie policy explaining cookie usage and purposes
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
This scan found 20 issues across 5 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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Each check with its score, findings and the evidence it collected.
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
Not counted
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.
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
Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.
Leaked records that mention hblsolutions.ch, from OffSeq Breach.
No leaked records found
Breach holds no records for hblsolutions.ch right now. New leaks arrive continuously, so monitoring on Breach alerts you if that changes.
Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.
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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