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Security report for krediidiregister.ee

Krediidiregister · Finance · Estonia

High risk. 10 critical or high findings in GDPR outside view, Security headers and 2 other checks.

Security score

40/100

Risk levelHigh

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

Krediidiregister is an established Estonian company providing comprehensive data solutions for credit and business risk management. With over 11 years in the market, it operates the largest payment default and business information database in Estonia, offering services such as credit scoring, account statement analysis, and business monitoring. The company targets businesses and financial institutions seeking to make informed credit decisions and manage financial risks effectively. Technically, the website is built on WordPress with WooCommerce and optimized for performance using WP Rocket. It integrates modern analytics and marketing tools including Google Analytics, Facebook Pixel, and GetResponse Analytics, while implementing GDPR-compliant cookie consent mechanisms. Security posture is solid with HTTPS enforced and partial security headers, though there is room for improvement in explicit security policies and incident response disclosures. Overall, the website presents a professional, trustworthy, and well-structured digital presence aligned with its business objectives.

Scanned

NIS2 and GDPR posture

GDPR outside view
10/ 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

10 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 krediidiregister.ee

This scan found 31 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
72
Security headers
15
Email security
55
DNS health
65
Network security
20
GDPR outside view
10
Average
40

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 holds a strong market position as a key provider of credit risk data services in Estonia, leveraging partnerships with major financial institutions and telecom companies. Its business model revolves around data aggregation, credit scoring, and risk assessment services delivered via web portals and API integrations. The presence of Financial Excellence and TOP badges indicates recognition for financial stability and reliability. The target customer base includes banks, credit institutions, and businesses requiring creditworthiness assessments. The company demonstrates growth potential through digital integrations and marketing efforts. Strategic partnerships with domains like taust.ee and leading banks enhance its ecosystem and market reach.

Security posture

Krediidiregister maintains a good security posture with HTTPS enforced and use of cookie consent tools indicating GDPR compliance. The website uses lazy loading scripts and CSP violation listeners to mitigate security risks. However, explicit security policies, incident response contacts, and vulnerability disclosure mechanisms are absent, which could be improved to enhance transparency and readiness. No vulnerabilities or exposed sensitive data were detected in the HTML content. Security headers are partially implemented but could be strengthened with additional headers like X-Frame-Options and Referrer-Policy. Overall, the security maturity is moderate to good but can benefit from formalized policies and disclosures.

Recommendations

  1. Implement and publish a formal security policy and incident response contact information on the website.
  2. Add a terms of service page to complete legal documentation and user agreements.
  3. Enhance security headers by adding X-Frame-Options, Referrer-Policy, and other recommended headers.
  4. Regularly audit third-party scripts and plugins for vulnerabilities and update them promptly.
  5. Improve accessibility features to meet higher compliance standards and enhance user experience.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Krediidiregister
Description
Krediidiregister pakub parimaid andmelahendusi krediidi- ja äririskide juhtimiseks. Enne krediidiotsust kontrollige alati tausta!
Key services
Maksehäireregister, Eraisiku krediidiskoor, Juriidilise isiku krediidireiting, Otsustuspuu, Andmed ja andmebaasid, Ettevõtte seire, Müüginimekirjad, Kliendibaasi andmete uuendamine, Financial Excellence tunnustusmärgised, TOP märgised
Content quality
good
Branding
consistent

Technology

Stack
WordPress, WooCommerce, jQuery, WP Rocket, PixelYourSite, Google Analytics, CookieYes
Frameworks
WordPress
Platforms
Web
Performance
fast
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • Lazy loading scripts to improve performance
  • Cookie consent banner implemented
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics, Facebook Pixel, GetResponse Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Facebook Pixel (PixelYourSite plugin), GetResponse Analytics
Marketing tools
PixelYourSite, GetResponse
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 no blocking or WAF challenges.
  2. Content is focused on credit risk management and data services in Estonia.
  3. Strong use of WordPress CMS with performance optimizations via WP Rocket.
  4. Cookie consent and privacy policy are implemented, indicating GDPR awareness.
  5. No explicit contact emails or phone numbers found in HTML; contact via form and social media.
  6. Social media presence includes Facebook; LinkedIn link is empty.
  7. Multiple partner logos and links to Estonian financial institutions and telecoms.
  8. No terms of service page detected.
  9. Security headers partially implemented; room for improvement.
  10. No visible vulnerabilities or exposed sensitive data.
Technical notes

Notes

The website is built on a modern WordPress CMS platform with WooCommerce for e-commerce capabilities. It uses jQuery and various performance optimization plugins such as WP Rocket. The site loads quickly and is mobile-optimized with responsive design. SEO is well addressed with meta tags, Open Graph, and JSON-LD structured data. The hosting and domain registration are managed by Zone Media OÜ, a reputable Estonian registrar. The technical infrastructure supports scalability and integration with external services via APIs. Some technical debt may exist in the form of partial security header implementation and limited accessibility features, which can be addressed in future updates.
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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