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Security report for joefizz.co.uk

Joe Fizz Asset Finance Ltd · Finance · United Kingdom

Medium risk. 5 critical or high findings in SSL/TLS, GDPR outside view and 1 other check.

Security score

70/100

Risk levelMedium

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

Joe Fizz Asset Finance Ltd is a UK-based independent asset finance brokerage with over 30 years of experience, specializing in providing flexible funding solutions such as asset finance, invoice finance, and business loans. The company targets UK businesses seeking to leverage existing assets to grow and thrive. The website is professionally designed using modern technologies including React and Next.js, with content managed via Builder.io and media hosted on Cloudinary. Security posture is strong with HTTPS and multiple security headers implemented, though cookie consent mechanisms are absent. WHOIS data is unavailable due to domain naming rules, which slightly impacts trust but the website content and business information are consistent and credible. Overall, the site demonstrates a mature digital presence with good user experience and clear business focus.

Scanned

NIS2 and GDPR posture

GDPR outside view
53/ 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. 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
    • High

      Weak SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • 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

    • 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. 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 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';…

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

Keep watching joefizz.co.uk

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.

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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
49
Security headers
75
Email security
85
DNS health
60
Network security
100
GDPR outside view
53
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 company operates as a finance brokerage, connecting businesses with a network of trusted lenders to provide asset-based finance solutions. It holds partnerships with notable finance providers such as Funding Circle, Time Finance, Pulse Cashflow Finance, and Close Brothers, enhancing its market position. The business model focuses on personalized, expert advice and long-term client relationships. The website content indicates a focus on SMEs across various sectors needing flexible finance options. Growth indicators include active case studies, insights, and a strong social media presence. The company appears to be a small-sized entity with a specialized niche in the UK finance market.

Security posture

The website employs HTTPS with a good SSL configuration and includes key security headers such as Strict-Transport-Security, X-Content-Type-Options, X-Frame-Options, Referrer-Policy, and Content-Security-Policy. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the absence of a cookie consent banner and lack of published security or incident response policies indicate areas for improvement in compliance and transparency. No known vulnerabilities or malware indicators were found. Overall, the security posture is solid but could be enhanced with formal policies and user consent mechanisms.

Recommendations

  1. Implement a cookie consent banner to ensure compliance with EU cookie laws and GDPR.
  2. Publish a dedicated security policy and incident response page to improve transparency and trust.
  3. Add a vulnerability disclosure policy or security.txt file to facilitate responsible reporting.
  4. Include Data Protection Officer contact details or privacy contacts to strengthen GDPR compliance.
  5. Regularly review and update third-party scripts and tracking pixels to minimize privacy risks.

Contact details published on the site

Legal name
Joe Fizz Asset Finance Ltd
Registration number
company now
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Joe Fizz Asset Finance Ltd
Description
Joe Fizz Asset Finance Ltd is an independent asset finance brokerage with over 30 years’ experience, offering innovative funding solutions such as asset finance, invoice finance, and loans to help businesses grow by leveraging existing assets.
Key services
Asset finance, Invoice finance, Loans
Content quality
good
Branding
consistent

Technology

Stack
React, Next.js, Builder.io, Cloudinary, Flickity carousel
Frameworks
Next.js
Performance
moderate
Mobile
good
Accessibility
good
SEO
basic

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Security headers present
  • No exposed sensitive data in HTML

Analytics and tracking

Tracking level
minimal
Privacy practices
basic

Advertising

Tracking pixels
builder.io pixel, lr-in.com logger
Marketing tools
Marker.io
Transparency
basic

Site quality

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

Key observations

  1. Website is fully accessible with rich content and no blocking detected
  2. WHOIS data is unavailable due to domain naming rules error
  3. Site uses modern web technologies and good security headers
  4. Privacy and terms pages are present and linked in footer
  5. Contact info is clearly displayed with company email and phone
  6. No cookie consent banner detected, which may affect compliance
  7. Social media presence on Facebook, LinkedIn, and Twitter
  8. No explicit or adult content detected
  9. Site content focuses on asset finance brokerage services
  10. No visible forms collecting sensitive data on homepage
Technical notes

Notes

The website is built on a modern React/Next.js framework with content managed through Builder.io, enabling dynamic and flexible content delivery. Media assets are served via Cloudinary, optimizing performance. The site uses Flickity for carousels and includes asynchronous loading of scripts to enhance speed. Accessibility features such as skip links and ARIA roles are present, contributing to good usability. SEO is basic with meta tags and Open Graph data, though some OG image URLs appear malformed. Performance is moderate, with room for optimization in image sizes and script loading. Overall, the technical infrastructure supports a professional and responsive user experience with opportunities for further enhancement.
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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