Skip to main content

Security report for kattokorko.fi

Kattokorko.fi · Finance · Finland

Medium risk. 8 critical or high findings in GDPR outside view and Security headers.

Security score

50/100

Risk levelMedium

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

Kattokorko.fi is a Finnish loan comparison and brokerage website operated by Etua Oy, a pioneer in Finnish loan comparison services since 2008. The platform offers consumers the ability to compare unsecured loan offers from multiple lenders with a single application, targeting Finnish residents aged 25 and older with a minimum monthly income. The website is well-branded, with clear business descriptions and partner endorsements, positioning itself as a competitive and trusted intermediary in the Finnish consumer finance market. Technically, the site is built on WordPress with a modern plugin ecosystem including Yoast SEO, Contact Form 7, and various marketing and tracking tools. However, the site suffers from a critical security issue due to an invalid SSL certificate, resulting in no HTTPS protection, which significantly impacts its security posture and user trust. Privacy policies and cookie consent mechanisms are present and appear GDPR compliant, hosted on the parent company Alma Media's domain. Overall, the site provides good user experience and content quality but requires urgent security improvements to protect user data and enhance trust.

Scanned

This is an earlier scan of kattokorko.fi. View the latest report

NIS2 and GDPR posture

GDPR outside view
0/ 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. 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 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 kattokorko.fi

This scan found 19 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

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

Email alerts on material changes and an exportable JSON history of every change.

Billed monthly to your card. Cancel anytime. The full timeline opens with your unlock code.

Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • Lifetime access to this report

Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

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
50
Security headers
15
Email security
50
DNS health
85
Network security
100
GDPR outside view
0
Average
50

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 model focuses on loan brokerage and comparison, leveraging partnerships with multiple Finnish and Nordic lenders to provide competitive loan offers. Revenue likely derives from referral fees or commissions from loan providers. The target market is Finnish consumers seeking consumer credit with competitive interest rates below 10%. The company benefits from its association with Etua Oy and Alma Media, enhancing credibility and reach. The partnership ecosystem includes well-known financial institutions and service providers, supporting a broad loan offering. Growth potential exists through expanding lender partnerships and improving digital marketing. The website's content strategy includes a blog and customer testimonials to build trust and educate consumers. The use of multiple tracking and marketing tools indicates a data-driven approach to customer acquisition.

Security posture

The current security posture is weak due to the absence of a valid SSL certificate, resulting in no HTTPS encryption. This exposes users to risks such as data interception and undermines trust. No security headers are implemented, missing opportunities to mitigate common web attacks. The site uses multiple third-party scripts, which require regular security audits to prevent supply chain risks. Privacy compliance is addressed through external policy hosting and consent management, but no explicit incident response or security policy is found on the site. The lack of OCSP stapling and session resumption reduces SSL performance and security. Immediate remediation of SSL issues and implementation of security headers are critical to improve the security posture.

Recommendations

  1. Obtain and deploy a valid SSL/TLS certificate to enable HTTPS across the entire site immediately.
  2. Implement HTTP security headers including Content-Security-Policy, X-Frame-Options, X-Content-Type-Options, and Referrer-Policy.
  3. Enable HSTS with includeSubDomains and preload to enforce HTTPS and protect against downgrade attacks.
  4. Conduct regular security audits of third-party scripts and plugins to identify and mitigate vulnerabilities.
  5. Develop and publish a clear security policy and incident response plan accessible to users to enhance transparency and preparedness.

Contact details published on the site

Addresses
Legal name
Etua Oy
Technical notes

Notes

The website is hosted on AWS infrastructure as indicated by DNS NS records. It uses WordPress CMS with a modern plugin stack including Yoast SEO for SEO optimization, Contact Form 7 for forms, and Atomic Blocks for block styling. The site loads many resources (249) and has a large page size (~230 KB), resulting in slow load times (~35 seconds), indicating potential optimization needs. Mobile optimization is good with responsive design and accessible navigation. The site integrates multiple marketing and analytics tools such as Google Tag Manager, UserReport, and Trustpilot widgets. However, the invalid SSL certificate is a major technical risk. The site lacks security headers and advanced SSL features like OCSP stapling and session resumption. Overall, the technical infrastructure is modern but requires performance tuning and critical security fixes.
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. 53/100Medium37 findingsView report
  2. 53/100Medium37 findingsView report
Reviews of this site

Share your experience with kattokorko.fi. Every review is verified by email and published after moderation.

Overall rating
Select a rating
4000 characters remaining

We’ll email you to confirm your review and keep your details private.

Community rating

No published reviews yet. Be the first to review kattokorko.fi.

Feedback on this report

Rate this report, add an optional comment, and tell us if you want a security specialist to follow up.

Overall report quality
Select a rating
2000 characters remaining

We only use your feedback to improve Guard reports. Contact details are never shared.