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Security report for homecredit.cz

Home Credit a.s. · Finance · Czech Republic

Medium risk. 7 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

71/100

Risk levelMedium

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

Home Credit a.s. operates a professional and well-branded website offering flexible consumer loan products and financial services primarily targeting customers in the Czech Republic. The company provides a range of services including flexible loans, loan consolidation, credit cards, installment purchases, and auto financing. The website demonstrates a mature digital presence with modern technologies such as Alpine.js, Keen Slider, and integration of Google Tag Manager and Sentry for analytics and error monitoring. Security best practices are observed with HTTPS enforcement and security headers, contributing to a strong security posture. However, the absence of WHOIS data limits domain trust verification, and the site could improve privacy compliance by implementing a visible cookie consent mechanism and publishing explicit terms of service and incident response policies. Overall, the site is professional, secure, and trustworthy, serving a large financial services entity with a clear market position.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 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 Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

    • High

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, Twitter, LinkedIn, YouTube

      What to do: Document all third-party data sharing in your privacy policy

  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"

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

Keep watching homecredit.cz

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
55
Security headers
75
Email security
87
DNS health
85
Network security
100
GDPR outside view
25
Average
71

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

The website reflects Home Credit's position as a significant player in the Czech financial services market, focusing on consumer credit products. The business model revolves around providing flexible loans and financing solutions to individuals and entrepreneurs. The presence of a Slovakian partner domain indicates regional market coverage. The company leverages digital marketing and analytics tools to optimize customer engagement and conversion. While direct contact details are limited on the main site, the structured navigation and comprehensive product offerings suggest a customer-centric approach. The lack of visible certifications or vulnerability disclosure policies suggests areas for maturity improvement in compliance and security transparency.

Security posture

The website employs HTTPS with strong SSL configuration and includes multiple security headers, indicating a robust baseline security posture. Integration with Sentry for error monitoring shows proactive operational security management. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the absence of a published security policy, incident response contacts, or vulnerability disclosure mechanisms limits transparency and readiness perception. Privacy compliance is partial, with a privacy policy present but no clear cookie consent mechanism. Overall, the security posture is good but could be enhanced by adding explicit security and incident response documentation and improving privacy controls.

Recommendations

  1. Implement a visible cookie consent banner to comply with GDPR and enhance user privacy transparency.
  2. Publish a clear terms of service page accessible from the main navigation or footer.
  3. Add a security.txt file or dedicated vulnerability disclosure policy to encourage responsible reporting.
  4. Provide explicit incident response contact information such as security@ or abuse@ email addresses.
  5. Enhance contact information by including verified company phone numbers and official contact emails on the website.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Home Credit a.s.
Description
Sjednejte si flexibilní půjčku od Home Creditu až 250 000 Kč nebo si vyberte z našich dalších produktů, jako je konsolidace, kreditní karta či nákup na splátky.
Key services
Flexibilní půjčka, Konsolidace půjček, Kreditní karta, Nákupy na splátky, Financování auta, Financování podnikatelů
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, Alpine.js, Google Tag Manager, Sentry, Keen Slider, SVG icons, CSS3, HTML5
Frameworks
Alpine.js
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of security headers
  • No exposed sensitive data in HTML
  • Sentry error monitoring integrated

Analytics and tracking

Services
Google Analytics (via GTM), Google Tag Manager
Tracking level
moderate
Privacy practices
basic

Advertising

Ad networks
Google Ads
Tracking pixels
Google Ads Conversion Tracking
Marketing tools
Sentry
Transparency
good

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 challenge
  2. Content is professional and relevant to financial services
  3. WHOIS data is unavailable, limiting domain trust analysis
  4. Good use of modern web technologies and security best practices
  5. Privacy and cookie policies are partially present but could be improved
  6. No direct company contact emails or phone numbers found in main HTML
  7. Strong branding and app presence on major app stores
Technical notes

Notes

The website is built on a modern tech stack including Alpine.js for reactive UI components, Keen Slider for carousels, and uses SVG icons for scalable graphics. It is hosted on a platform likely powered by SiteOne CMS, as inferred from CDN URLs. Google Tag Manager and Google Ads are used for marketing and analytics, while Sentry is integrated for error tracking. The site is mobile-optimized with responsive images and accessible navigation. Performance is moderate, with asynchronous loading of scripts and preloading of fonts. SEO is well addressed with meta tags, Open Graph, and Twitter cards. Accessibility features such as skip links and ARIA labels are present, contributing to a good user experience. Opportunities exist to improve hosting transparency and further optimize performance metrics.
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

Earlier scans of this domain

  1. 75/100Medium24 findingsView report
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