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Security report for k-business.fi

Kesko Oyj · Finance · Finland

Medium risk. 8 critical or high findings in GDPR outside view, Email security and 1 other check.

Security score

58/100

Risk levelMedium

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

K-Business.fi is a Finnish corporate credit card service website operated under Kesko Oyj and issued by Oma Säästöpankki Oyj. The site promotes the K-Business Credit card, which combines Visa credit capabilities with Plussa loyalty benefits and partner discounts. The target audience is Finnish businesses seeking flexible payment solutions with integrated loyalty rewards. The website is built on modern web technologies including Next.js and Contentful CMS, providing a professional and content-rich user experience. However, the site lacks a valid SSL certificate and does not support TLS protocols, which severely impacts its security posture. Privacy and cookie policies are comprehensive and GDPR compliant, but direct contact information such as emails or phone numbers is not explicitly provided, relying instead on contact forms and external links. Overall, the site demonstrates strong business credibility and branding but requires urgent security improvements to protect user data and ensure trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
15/ 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

8 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

  2. Email security

    SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.

    • Critical

      No email authentication configured

      Domain is vulnerable to email spoofing

      What to do: Implement SPF, DKIM, and DMARC immediately

  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 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';…

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

Keep watching k-business.fi

This scan found 23 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
90
Security headers
30
Email security
40
DNS health
75
Network security
100
GDPR outside view
15
Average
58

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 operates in the finance and retail sectors, offering corporate credit cards with value-added services like digital receipt management and loyalty program integration. The partnership with Oma Säästöpankki Oyj for credit issuance and Kesko Oyj for loyalty benefits positions the company well in the Finnish market. The endorsement by Suomen Yrittäjät and extensive partner network enhances market reach and customer trust. The business model focuses on subscription and usage fees, with clear pricing and interest rates disclosed. The digital presence is mature, leveraging modern frameworks and CMS for content delivery. Growth potential lies in expanding digital services and enhancing customer engagement through the mobile app.

Security posture

The website's security posture is currently weak due to the absence of a valid SSL certificate and lack of TLS protocol support, exposing users to potential data interception risks. While some security headers like HSTS are present and cookies are set with secure and HttpOnly flags, critical email security measures such as DMARC and DNSSEC are missing. No incident response or vulnerability disclosure policies are found, indicating limited preparedness for security incidents. The site does not expose sensitive data or vulnerable libraries visibly, but the lack of HTTPS is a critical flaw that undermines overall security. Immediate remediation is required to install valid certificates, enable TLS, and implement comprehensive security headers and DNS records.

Recommendations

  1. Install and maintain a valid SSL/TLS certificate to enable HTTPS and secure user connections.
  2. Enable modern TLS protocols (TLS 1.2 or 1.3) and disable insecure protocols.
  3. Implement OCSP stapling and add security headers such as Content-Security-Policy and X-Frame-Options.
  4. Add DMARC, SPF, and DKIM DNS records to improve email security and prevent spoofing.
  5. Enable DNSSEC to protect DNS integrity and prevent cache poisoning attacks.
  6. Publish a vulnerability disclosure policy and incident response contact information to enhance security transparency.
  7. Provide clear company contact emails and phone numbers to improve user trust and support accessibility.

Contact details published on the site

Legal name
Oma Säästöpankki Oyj
Registration number
2231936-2
Technical notes

Notes

The website uses Next.js framework with React and is powered by Contentful CMS, indicating a modern and scalable architecture. The site is mobile optimized with responsive design and good SEO metadata including Open Graph and Twitter cards. However, performance metrics are missing or zero, suggesting a need for performance monitoring and optimization. Hosting appears to be on a European IP address, possibly OVH or similar. The absence of a valid SSL certificate and TLS support is a major technical risk. The site uses SVG images and fonts loaded with preload hints, showing attention to front-end optimization. Overall, the technical infrastructure is modern but requires urgent security upgrades and performance validation.
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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