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Security report for kreditkoll.nu

Beck Solutions AB · Finance · Sweden

High risk. 4 critical or high findings in Network security, GDPR outside view and 1 other check.

Security score

49/100

Risk levelHigh

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

Kreditkoll.nu is a Swedish financial comparison website operated by Beck Solutions AB, providing comprehensive loan and savings product comparisons from 163 lenders. The site targets private individuals and businesses in Sweden, offering updated interest rates, credit score insights, and financial advice to facilitate informed borrowing and saving decisions. The platform operates as an affiliate model, generating revenue through referrals to lenders and financial institutions. Technically, the site employs modern web technologies including HTTPS with Let's Encrypt SSL, jQuery, Google Tag Manager, and lazy loading for performance optimization. The design is professional, mobile-optimized, and accessible, with strong SEO practices. Security posture is solid with HTTPS enforced and cookie consent mechanisms, though additional security headers could enhance protection. No WHOIS data was found for the www subdomain, but business legitimacy is supported by consistent branding, regulatory references, and transparent policies. Overall, Kreditkoll.nu presents a trustworthy, user-friendly, and well-maintained financial comparison service for the Swedish market.

Scanned

NIS2 and GDPR posture

GDPR outside view
68/ 100 · Medium
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

4 findings rated critical or high. Fix these first.

  1. Network security

    Services reachable from the internet are the first thing attackers probe. Anything open that does not need to be should be closed.

    • Critical

      Critical Service Exposed: MySQL

      Port 3306 (MySQL) is publicly accessible - MySQL - Database server

      What to do: Immediately restrict access to MySQL using firewall or VPN

      • NIS2 21(2)(e)
      • IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
      • NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
      • NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection
    • High

      High-Risk Service Exposed: FTP

      Port 21 (FTP) is publicly accessible - FTP - Often unencrypted file transfer

      What to do: Consider restricting access to FTP or implementing strong authentication

      • NIS2 21(2)(e)
      • IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
      • NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
      • NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • 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

  3. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

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

Keep watching kreditkoll.nu

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

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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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Full report

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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
72
Security headers
80
Email security
55
DNS health
65
Network security
0
GDPR outside view
68
Average
57
After the cap
49

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 · found on this site
  • 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 Beck Solutions AB operates Kreditkoll.nu as a niche financial comparison platform focusing on loans and savings products in Sweden. The business model leverages affiliate partnerships with lenders and loan brokers, offering users detailed comparisons and credit score tools. The site’s extensive lender coverage and frequent updates position it competitively in the Swedish finance comparison market. The target audience includes consumers seeking personal loans, business financing, and savings accounts. The company maintains a professional online presence with social media engagement and regulatory compliance references, indicating a mature operational approach. Growth potential lies in expanding lender partnerships and enhancing credit scoring services. The absence of direct contact emails suggests a preference for contact via forms, streamlining customer interactions.

Security posture

Kreditkoll.nu demonstrates a mature security posture with HTTPS enforced via Let's Encrypt certificates, use of nonce attributes on inline scripts to mitigate XSS risks, and a visible cookie consent banner supporting GDPR compliance. The site avoids storing personal data directly and uses reputable third-party analytics tools. However, security headers such as Content-Security-Policy, Referrer-Policy, and Permissions-Policy are not explicitly present and should be implemented to strengthen defenses. No vulnerabilities or exposed sensitive data were detected in the analysis. Incident response and security policy documentation are not publicly available, representing an area for improvement. Overall, the site balances usability and security effectively but could enhance its security maturity with additional headers and transparency.

Recommendations

  1. Implement Content-Security-Policy, Referrer-Policy, and Permissions-Policy headers to improve security posture.
  2. Publish a dedicated security policy and incident response contact information to enhance transparency and trust.
  3. Regularly audit third-party scripts and dependencies to mitigate potential vulnerabilities.
  4. Consider adding direct company contact emails or phone numbers for improved user support and trust.
  5. Maintain frequent updates to privacy and cookie policies to ensure ongoing GDPR compliance.

Contact details published on the site

Addresses
Legal name
Beck Solutions AB
VAT number
SE556986360701
Registration number
556986-3607
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Beck Solutions AB
Description
Kreditkoll.nu är en comparison website offering updated and impartial information on loans and savings products from 163 lenders and banks in Sweden. It aims to help private individuals and companies make informed financial decisions by comparing loan offers, credit scores, and savings rates.
Key services
Loan comparison, Credit score insights, Savings account comparison, Financial articles and tips
Content quality
excellent
Branding
consistent

Technology

Stack
HTML5, CSS3, JavaScript, jQuery 3.7.1, jQuery UI 1.14.1, Google Tag Manager, Google Analytics, Lozad.js (lazy loading images), Let's Encrypt SSL
Performance
fast
Mobile
excellent
Accessibility
good
SEO
excellent

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • No personal data stored on site
  • No visible sensitive data exposure
  • Use of nonce attributes on inline scripts
  • Cookie consent banner present

Analytics and tracking

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

Advertising

Transparency
good

Site quality

Design
excellent
User experience
excellent
Content relevance
excellent
Navigation
excellent
Professionalism
excellent
Trustworthiness
high

Key observations

  1. Website is fully accessible with no blocking or WAF challenges.
  2. Content is comprehensive, well-structured, and professionally presented.
  3. Strong focus on Swedish financial market with localized content and language.
  4. No suspicious or malicious content detected.
  5. Good privacy and cookie compliance with visible banners and policies.
  6. Use of modern web technologies and analytics tools.
  7. No direct company contact emails or phone numbers found on homepage; contact form available.
  8. WHOIS data for domain is missing or not found, possibly due to subdomain usage or domain registration setup.
Technical notes

Notes

The website uses a modern and performant technology stack including HTML5, CSS3, jQuery 3.7.1, jQuery UI, and lazy loading via Lozad.js. Google Tag Manager and Google Analytics are integrated for tracking and marketing insights. The site is served over HTTPS with a Let's Encrypt certificate, ensuring secure communication. The design is responsive and mobile-optimized with good accessibility features. SEO is well implemented with comprehensive meta tags, Open Graph data, and JSON-LD structured data describing the organization and website. No CMS is explicitly detected, suggesting a custom or static site architecture. Hosting provider details are not disclosed. Performance is fast with minimal blocking scripts and deferred loading. Overall, the technical infrastructure supports a high-quality user experience with room for incremental security header improvements.
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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