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Security report for kasatak.pl

Ferratum Bank p.l.c. · Finance · Poland

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

Security score

60/100

Risk levelMedium

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

Ferratum Bank p.l.c. operates an online lending platform targeting consumers in Poland, offering microloans and installment loans. The business is positioned as a digital financial services provider with a focus on ease of access and minimal formalities. The website currently communicates a suspension of new loan issuance due to economic conditions related to the epidemic, reflecting responsiveness to external factors. The company is part of Multitude Bank p.l.c., based in Malta, which lends credibility and regulatory oversight. Technically, the website is built on Drupal 7, utilizing common web technologies such as jQuery, Bootstrap, and Google Analytics for tracking and optimization. The site is mobile-optimized and includes standard privacy and cookie policies compliant with GDPR. Security posture is adequate with HTTPS enforced and secure login forms, though some modern security headers are not explicitly detected. The absence of WHOIS data publicly reduces transparency but is consistent with privacy protection practices common in financial services. Overall, the site demonstrates a moderate to good level of digital maturity and security hygiene, with clear business information and trust signals such as social media presence and customer reviews. The suspension of credit services is clearly communicated, maintaining transparency with users. Recommendations include enhancing security headers, publishing incident response and vulnerability disclosure information, and ensuring ongoing CMS security updates.

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

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

    • 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

  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 Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • 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';…

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Keep watching kasatak.pl

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.

Daily monitoring

Recommended

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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
47
Security headers
40
Email security
70
DNS health
75
Network security
100
GDPR outside view
25
Average
60

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

Ferratum Bank holds a competitive position in the Polish online lending market, leveraging a digital-first business model focused on microloans and installment credit products. The company benefits from its affiliation with Multitude Bank p.l.c., providing regulatory and operational support. Revenue streams likely derive from interest and fees on loans, with promotional offers such as 'first loan for 0 PLN' to attract new customers. The target customer segment includes individuals seeking quick, accessible credit without traditional banking formalities. The partnership ecosystem includes customer support via help.ferratum.pl and marketing campaigns hosted on campaigns.ferratum.pl. Growth indicators are currently subdued due to the suspension of new loans, reflecting prudent risk management amid economic uncertainty.

Security posture

The website enforces HTTPS and employs secure login forms requiring PESEL and password inputs, indicating attention to user authentication security. Cookie consent mechanisms and privacy policies align with GDPR requirements, demonstrating compliance focus. However, the absence of explicit security headers such as Content-Security-Policy and X-Frame-Options suggests room for improvement in mitigating common web vulnerabilities. No public incident response or vulnerability disclosure pages were found, which could enhance transparency and trust. The use of Drupal 7, an older CMS version, necessitates vigilant patching to avoid known vulnerabilities. Overall, the security posture is moderate with good foundational controls but opportunities exist to strengthen defenses and incident readiness.

Recommendations

  1. Implement comprehensive security headers including Content-Security-Policy, X-Frame-Options, and X-XSS-Protection to enhance browser security.
  2. Publish a dedicated security policy and incident response page to improve transparency and user trust.
  3. Establish a vulnerability disclosure program or security.txt file to facilitate responsible reporting of security issues.
  4. Upgrade or ensure timely patching of Drupal 7 CMS to mitigate risks from known vulnerabilities.
  5. Enhance contact information visibility, including verified company emails and phone numbers, to improve customer support and credibility.

Contact details published on the site

Addresses
Legal name
Multitude Bank p.l.c.
VAT number
MT 2101-8613
Registration number
C-56251
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Ferratum Bank p.l.c.
Description
Ferratum Bank offers online loans without leaving home, without unnecessary formalities or income certificates. The website currently states a suspension of credit actions due to economic conditions related to the epidemic.
Key services
Microloans, Installment loans, Online loan applications
Content quality
good
Branding
consistent

Technology

Stack
Drupal 7, jQuery 2.2, Google Tag Manager, Google Analytics, Bootstrap
Frameworks
Drupal
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced
  • Secure login form with password and PESEL input
  • Cookie consent banner implemented

Analytics and tracking

Services
Google Analytics, Google Tag Manager, Optimizely
Tracking level
moderate
Privacy practices
good

Advertising

Marketing tools
Optimizely
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. WHOIS data is unavailable publicly, indicating privacy protection or registry delay.
  3. Site uses Drupal 7, which is an older CMS version; security updates should be monitored.
  4. Clear cookie consent and privacy policy present, indicating GDPR compliance.
  5. Business currently suspending new loans due to economic conditions.
  6. Social media and Trustpilot links provide trust signals.
  7. No explicit contact emails or phone numbers found on main page; contact via help center link.
  8. No visible security.txt or vulnerability disclosure page.
Technical notes

Notes

The website is built on Drupal 7 CMS, leveraging jQuery 2.2 and Bootstrap for frontend components. Google Tag Manager and Google Analytics are integrated for tracking and marketing optimization, alongside Optimizely for experimentation. The site is mobile responsive with good SEO practices including meta tags and structured data (JSON-LD) for organization and local business. Performance is moderate, with multiple CSS and JS files loaded. Accessibility is basic with skip links and ARIA attributes present but could be improved. Hosting provider details are not explicitly identified. The technical stack is stable but somewhat dated, suggesting modernization opportunities to improve security and performance.
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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