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Security report for ksk-bc.de

Kreissparkasse Biberach · Finance · Germany

Low risk. 2 critical or high findings in GDPR outside view and SSL/TLS.

Security score

78/100

Risk levelLow

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

Kreissparkasse Biberach is a regional German savings bank offering a broad range of financial services including online banking, accounts, credit cards, loans, savings, investments, insurance, and private banking. The website targets both private and corporate customers with comprehensive product and service information. The bank maintains a strong regional presence and provides extensive customer support and digital services. The site is professionally designed, well-structured, and optimized for mobile use, reflecting a mature digital infrastructure likely powered by Adobe Experience Manager. Security practices include HTTPS enforcement, session management, and cookie consent mechanisms, though explicit security policies and incident response contacts are not publicly detailed. Overall, the site demonstrates a high level of professionalism, trustworthiness, and compliance with GDPR requirements.

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

2 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.

    • 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

  2. 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 ksk-bc.de

This scan found 18 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
90
Email security
65
DNS health
70
Network security
100
GDPR outside view
68
Average
78

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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention ksk-bc.de, from OffSeq Breach.

Total records
632
Employees
0
Customers
632
Third parties
0
Weak passwords
59%

7 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for ksk-bc.de.

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Breach keeps ingesting new leaks, so these numbers can grow between scans.

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

The bank operates in the finance sector with a medium-sized regional footprint in Germany. Its business model focuses on retail and corporate banking services, leveraging digital channels for customer engagement and service delivery. The presence of multiple partner domains for market data and career services indicates a well-integrated ecosystem. The bank's offerings cover essential banking products and value-added services such as private banking and investment solutions. The website's comprehensive content and clear navigation support customer acquisition and retention. The bank's market position is stable within its region, supported by trust signals such as official certifications, SWIFT codes, and transparent legal disclosures.

Security posture

The website employs HTTPS with good SSL configuration and includes user session timeout features and cookie consent banners, indicating attention to security and privacy. However, no explicit security headers were detected in the provided content, and no published security policy or incident response contacts were found. The absence of a security.txt file or vulnerability disclosure mechanism suggests room for improvement in transparency and proactive security communication. No vulnerabilities or exposed sensitive data were identified in the analysis. The security posture is solid but could be enhanced by adopting additional security headers and publishing formal security policies.

Recommendations

  1. Implement and publish a formal security policy and incident response contact information on the website.
  2. Add standard security headers such as Content-Security-Policy, Strict-Transport-Security, and X-Frame-Options to enhance protection.
  3. Publish a security.txt file to facilitate responsible vulnerability disclosure.
  4. Enhance transparency around data retention policies related to analytics and user data.
  5. Continue to maintain and improve accessibility and mobile optimization to ensure broad user reach.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Kreissparkasse Biberach
Description
Ihr Finanzpartner im Internet. Mit sicherem Online-Banking, vielen Angeboten und Services für Privat- und Firmenkunden.
Key services
Online-Banking, Girokonto, Kreditkarte, Kredite und Finanzierungen, Sparen und Anlegen, Wertpapiere und Börse, Altersvorsorge, Versicherungen, Immobilien, Private Banking
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, CSS, HTML5
Frameworks
jQuery (implied by $ usage), Custom clientlibs (myif)
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent banner
  • Session timeout countdown
  • 2-Faktor-Authentifizierung mentioned in navigation

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Marketing tools
PAYBACK loyalty program
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 challenge.
  2. Content is comprehensive and professionally presented in German.
  3. Strong focus on banking and financial services for private and corporate customers.
  4. Multiple navigation menus with extensive service and product offerings.
  5. Cookie consent and privacy policies are clearly presented and GDPR compliant.
  6. No explicit security policy or incident response contacts found.
  7. No security.txt or vulnerability disclosure information present.
  8. Use of Adobe Experience Manager CMS inferred from URL structure.
  9. Use of Google Analytics and marketing tools with user consent.
  10. No suspicious or malicious content detected.
Technical notes

Notes

The website is built on a modern CMS platform, likely Adobe Experience Manager, using standard web technologies including HTML5, CSS, and JavaScript with jQuery. The site includes optimized images, responsive design elements, and structured navigation menus. Performance is moderate with room for optimization. The use of client libraries and modular scripts indicates a scalable architecture. Integration with external financial data providers and marketing tools is well managed with user consent. No technical debt or deprecated technologies were detected. Opportunities exist to improve security headers and streamline analytics data collection for enhanced privacy compliance.
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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