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Security report for kib.lv

AS Kredītinformācijas Birojs · Finance · Latvia

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

Security score

50/100

Risk levelMedium

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

AS Kredītinformācijas Birojs is a Latvian credit information bureau providing credit data and reporting services to individuals and businesses. The company is positioned as a trusted entity in the Latvian financial sector, supported by ISO 27001 certification and memberships in recognized organizations such as Creditinfo and the Latvian Chamber of Commerce (LTRK). Their services focus on promoting responsible lending and credit transparency. Technically, the website is built on WordPress with common libraries like jQuery and uses Cookiebot for GDPR-compliant cookie consent. The site is moderately performant and mobile-optimized, though page load times could be improved. Security posture is adequate with HTTPS and SPF/DMARC email protections, but lacks advanced SSL features like HSTS and OCSP stapling. Privacy policies and terms of service are clearly presented and GDPR compliant. Overall, the website reflects a professional and credible business with room for technical and security enhancements.

Scanned

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

    • 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

  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 kib.lv

This scan found 25 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
57
Security headers
30
Email security
50
DNS health
65
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 company operates in the finance sector, specifically credit information services, targeting both private individuals and corporate clients in Latvia. Their business model revolves around collecting, managing, and distributing credit data to support lending decisions. The presence of ISO 27001 certification and memberships in Creditinfo and LTRK indicate a mature compliance and trust framework. The website content and linked partner domains reinforce their market position and partnership ecosystem. The company appears medium-sized with a focused regional presence. Growth indicators include active content updates and integration with related credit history services. Strategic partnerships with Creditinfo and LTRK enhance credibility and market reach.

Security posture

The website employs HTTPS with modern TLS protocols (1.3 and 1.2) and has valid SPF and DMARC DNS records, reducing email spoofing risks. However, the absence of HSTS and OCSP stapling reduces SSL security robustness. No advanced security headers are detected, and domain registration lacks protection locks, which could expose the domain to hijacking risks. No known vulnerabilities or malware are detected. Privacy compliance is supported by Cookiebot consent mechanisms and clear privacy policies. Incident response and vulnerability disclosure policies are not found, indicating potential gaps in security governance. Overall, the security posture is moderate but could be improved with enhanced SSL configurations and security headers.

Recommendations

  1. Enable HTTP Strict Transport Security (HSTS) with includeSubDomains and preload to enforce HTTPS.
  2. Implement OCSP stapling to improve SSL certificate revocation checking and reduce latency.
  3. Add security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  4. Activate domain protection locks at the registrar to prevent unauthorized domain transfers.
  5. Develop and publish an incident response and vulnerability disclosure policy to enhance security transparency.

Contact details published on the site

Addresses
Legal name
AS Kredītinformācijas Birojs
Registration number
40103673493
Technical notes

Notes

The website is built on WordPress CMS using standard plugins and libraries including jQuery, Conditionizr, Modernizr, and Cookiebot for cookie consent management. Google Analytics and Facebook Pixel are used for analytics and tracking. The site has moderate performance with a load time of approximately 5.5 seconds and 29 resources loaded. Mobile optimization is good with responsive design elements. SEO is basic with meta description and hreflang tags present. The SSL certificate is valid with 66 days until expiry but lacks advanced features like certificate transparency compliance and OCSP stapling. DNS records are properly configured with SPF and DMARC, but DNSSEC and CAA are not enabled. Overall, the technical infrastructure is stable but could benefit from performance optimizations and enhanced security configurations.
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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