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Security report for kreditz.com

Kreditz · Finance · Sweden

Low risk. 1 critical or high finding in SSL/TLS.

Security score

85/100

Risk levelLow

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

Kreditz is a Sweden-based fintech company specializing in open banking and PSD2 data analytics to facilitate intelligent credit and risk decisions. Their offerings include consumer and business account certificates, leveraging consent-based data and AI technology to improve credit decisioning processes. The company targets financial institutions and businesses requiring advanced credit risk insights, positioning itself as a leader in the open banking data space. Technically, the website is built on modern frameworks such as React.js, hosted on AWS infrastructure, and integrates multiple marketing and analytics tools including HubSpot, Google Analytics, Hotjar, and LinkedIn Insight. Security posture is strong with HTTPS enforcement, domain registration protections, and cookie consent management via Cookiebot, although explicit security policies and vulnerability disclosure mechanisms are absent. Overall, Kreditz demonstrates a mature digital presence with good privacy compliance and professional branding, though improvements in transparency around security policies and terms of service would enhance trust further.

Scanned

NIS2 and GDPR posture

GDPR outside view
83/ 100 · Low
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

1 finding rated critical or high. Fix these first.

  1. 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

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Keep watching kreditz.com

This scan found 14 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
77
Security headers
80
Email security
83
DNS health
85
Network security
100
GDPR outside view
83
Average
85

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

Kreditz operates a B2B SaaS model providing API and web portal access to standardized and customizable financial data products based on open banking and PSD2 data. Their market positioning leverages advanced AI and consent-based data to reduce credit risk and improve decision speed and accuracy. The company serves industries such as consumer and business lending, money transfer, auditing, and insurance. Partnerships with major platforms like HubSpot and LinkedIn support their marketing efforts. The domain age and registration details align well with the company's founding year, indicating operational consistency. The company maintains a medium size with a clear focus on finance and technology sectors.

Security posture

The website enforces HTTPS and employs domain registration locks to prevent unauthorized changes. Cookie consent is managed comprehensively with Cookiebot, including detailed cookie declarations and user controls. However, the absence of a published security policy, incident response contacts, and vulnerability disclosure mechanisms such as security.txt represent gaps in security transparency. The use of multiple third-party scripts introduces potential risk vectors that require ongoing monitoring. No critical vulnerabilities or exposed sensitive data were detected in the analysis. Overall, the security posture is good but could be improved by formalizing security governance documentation and enabling DNSSEC.

Recommendations

  1. Publish a dedicated security policy and incident response information on the website.
  2. Implement a security.txt file to facilitate vulnerability disclosures.
  3. Add a clear terms of service page to improve legal transparency.
  4. Enable DNSSEC to enhance domain name system security.
  5. Regularly audit and update third-party scripts to mitigate potential vulnerabilities.

Contact details published on the site

Addresses
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Kreditz
Description
Kreditz specializes in open banking and PSD2 data insights, offering standardized and customizable products for consumer and business account certificates to facilitate intelligent credit and risk decisions using consent-based data and AI technology.
Key services
Consumer Account Certificate, Business Account Certificate, Income verification, Spending behavior analysis, Fraud detection, Asset accumulation, Debt involvement, Credit decisioning, Custom products
Content quality
good
Branding
consistent

Technology

Stack
React.js, JavaScript, Bootstrap, jQuery, Cookiebot, Google Tag Manager, Hotjar, LinkedIn Insight Tag
Frameworks
React
Platforms
AWS (inferred from AWS DNS servers)
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent management implemented
  • Domain locked with multiple client prohibitions

Analytics and tracking

Services
Google Analytics, Hotjar, LinkedIn Insight
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Google AdSense
Tracking pixels
LinkedIn Insight Tag, Hotjar
Marketing tools
HubSpot, Cookiebot
Transparency
good

Site quality

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

Key observations

  1. Website uses modern JavaScript frameworks and libraries.
  2. Cookie consent is managed via Cookiebot with detailed cookie declarations.
  3. No explicit terms of service page found.
  4. Contact information includes physical address and contact forms but no direct emails or phone numbers explicitly labeled.
  5. Multiple third-party marketing and analytics integrations present.
  6. Domain is well maintained with long expiry and registrar locks.
  7. No security.txt or explicit security policy found.
  8. No signs of WAF or content blocking.
Technical notes

Notes

The website uses a modern React.js frontend with Bootstrap and jQuery for UI components and interactions. Hosting is provided by AWS, inferred from DNS nameservers. Performance is moderate with good mobile optimization and accessibility features. SEO is supported by proper meta tags and Open Graph data. The site integrates multiple analytics and marketing tools including Google Tag Manager, Hotjar, LinkedIn Insight, and HubSpot, indicating a mature digital marketing infrastructure. No CMS was explicitly detected, suggesting a custom or headless architecture. The technical stack is robust but requires continuous security monitoring due to the number of third-party integrations.
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. 71/100Medium29 findingsView report
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