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Security report for hypotheekwacht.nl

Vereniging Eigen Huis · Real Estate · Netherlands

Medium risk. 3 critical or high findings in Security headers and SSL/TLS.

Security score

70/100

Risk levelMedium

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

Vereniging Eigen Huis operates the Hypotheekwacht website, providing mortgage-related services and information primarily targeting Dutch homeowners and prospective buyers. The website is professionally designed with a focus on usability and mobile responsiveness, leveraging modern technologies such as React and integrating third-party tools like Cookiebot for cookie consent management and Google Tag Manager for analytics. The business is well-established in the Dutch real estate sector, with a clear market position as a homeowners association offering mortgage monitoring and advisory services. Technically, the site demonstrates good security practices including HTTPS enforcement and appropriate security headers, though it lacks explicit privacy policy and terms of service pages in the analyzed content. The cookie consent mechanism is comprehensive, reflecting GDPR compliance efforts. Overall, the website presents a moderate to good digital maturity level with room for improvement in privacy transparency and contact information availability.

Scanned

NIS2 and GDPR posture

GDPR outside view
83/ 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

3 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 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 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 hypotheekwacht.nl

This scan found 24 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
67
Security headers
35
Email security
70
DNS health
65
Network security
100
GDPR outside view
83
Average
70

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 business is positioned as a key player in the Dutch real estate and mortgage advisory market, leveraging its association status to provide trusted services to homeowners. Its business model revolves around membership and service provision, with partnerships evident through related domains and integrated services. The website supports this model with targeted content and tools aimed at mortgage monitoring. While revenue streams are not explicitly detailed, the presence of marketing and tracking tools suggests a focus on user engagement and service promotion. The partnership ecosystem includes energy services and form providers, indicating a broad service offering. Growth indicators are implied by the use of modern web technologies and active cookie compliance mechanisms.

Security posture

The website maintains a solid security posture with HTTPS enabled and multiple security headers in place, reducing common web vulnerabilities. The use of Cookiebot ensures user consent management aligns with privacy regulations. No exposed sensitive data or vulnerable libraries were detected in the provided content. However, the absence of explicit security policies and incident response contacts limits transparency and preparedness perception. The site would benefit from publishing detailed security and incident response information to enhance trust and compliance. Overall, the security maturity is good but could be improved with better documentation and contact channels.

Recommendations

  1. Publish a comprehensive privacy policy and terms of service accessible from the main site.
  2. Provide clear contact information including security incident response contacts.
  3. Enhance accessibility features to improve compliance and user experience.
  4. Regularly review and update third-party scripts to mitigate potential vulnerabilities.
  5. Implement a publicly accessible vulnerability disclosure or security.txt file.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Vereniging Eigen Huis
Description
Website related to mortgage services provided by Vereniging Eigen Huis, a Dutch association focused on homeowners. The site offers mortgage-related information and services.
Key services
Mortgage information, Mortgage monitoring service
Content quality
basic
Branding
consistent

Technology

Stack
React (react-native-stylesheet), FileSaver.js, Cookiebot, Google Tag Manager, Mopinion survey script
Frameworks
React
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • Cookie consent banner implemented
  • No visible exposed sensitive data

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
Cookiebot
Marketing tools
Mopinion
Transparency
basic

Site quality

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

Key observations

  1. Website uses HTTPS with good security headers.
  2. Cookie consent mechanism is implemented and active.
  3. No explicit privacy policy or terms of service found on the analyzed page.
  4. No direct contact information (email, phone, address) found in the provided content.
  5. Third-party scripts include Google Tag Manager, Cookiebot, Mopinion, and FileSaver.js.
  6. Content is primarily in Dutch, targeting Dutch homeowners.
  7. No signs of WAF or content blocking detected.
  8. Extensive cookie details shown in consent dialog, indicating compliance efforts.
Technical notes

Notes

The website is built using React, indicating a modern front-end framework with good support for dynamic content and mobile responsiveness. It integrates several third-party scripts including Cookiebot for cookie consent, Google Tag Manager for analytics, and Mopinion for user feedback. The presence of FileSaver.js suggests functionality for file downloads or exports. The site uses manifest.json and PWA-related meta tags, indicating progressive web app capabilities. Performance is moderate with deferred script loading and optimized font usage. SEO and accessibility are basic but present, with room for improvement in structured data and metadata completeness. Hosting and CMS details are not explicitly found but the domain and WHOIS data suggest a stable and consistent infrastructure.
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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