Skip to main content

Security report for ksk-es.de

Kreissparkasse Esslingen-Nürtingen · 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 Esslingen-Nürtingen operates a comprehensive regional banking website offering a wide range of financial products and services including online banking, accounts, credit cards, loans, investments, insurance, and real estate services. The website targets private and corporate customers primarily in the Esslingen-Nürtingen region of Germany. The bank positions itself as a trusted regional financial partner with strong local engagement and multiple customer contact channels including phone, chat, and online forms. Technically, the website is built on modern web standards and likely uses Adobe Experience Manager as its CMS platform. It features responsive design, accessibility considerations, and good SEO practices. The site uses HTTPS exclusively and implements cookie consent mechanisms compliant with GDPR. Analytics usage includes Google Analytics with moderate user tracking. From a security perspective, the site enforces HTTPS and secure login forms but lacks explicit security headers and a public security policy or incident response contacts. No vulnerabilities or suspicious content were detected. The WHOIS data aligns with the business claims, showing consistent domain registration and no privacy protection, indicating legitimacy. Overall, the website demonstrates a high level of professionalism, security, and compliance suitable for a large regional financial institution. Strategic improvements could include publishing a security policy, incident response contacts, and implementing additional security headers to enhance security posture further.

Scanned

This is an earlier scan of ksk-es.de. View the latest report

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-es.de

This scan found 19 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

Recommended

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

Email alerts on material changes and an exportable JSON history of every change.

Billed monthly to your card. Cancel anytime. See sample alerts.

Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • Lifetime access to this report

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
77
Security headers
90
Email security
60
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

Technical appendix

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

Business context

Business profile

The Kreissparkasse Esslingen-Nürtingen is a large regional savings bank serving private and corporate clients with a broad portfolio of financial products. Its business model focuses on retail and corporate banking, investment services, insurance, and real estate financing. The bank leverages its regional presence and trust to maintain a strong market position. The website reflects a mature digital presence with integrated online banking and customer engagement tools. Partnerships with entities like Deka Investments and PAYBACK indicate a well-developed ecosystem. The bank's awards and certifications reinforce its credibility and employer brand. Growth indicators include digital product offerings such as the Sparkassen-App and online advisory services. The bank actively promotes sustainability and community engagement, enhancing its brand value in the region.

Security posture

The website exhibits a solid security foundation with enforced HTTPS, secure login forms, and cookie consent mechanisms aligned with GDPR. However, it lacks visible security headers such as Content-Security-Policy and X-Frame-Options, which are recommended to mitigate common web attacks. There is no publicly available security policy or incident response contact information, which could improve transparency and readiness. No exposed sensitive data or vulnerable libraries were detected. The absence of a security.txt file limits external vulnerability reporting. Overall, the security posture is good but could be enhanced by adopting additional HTTP security headers, publishing security policies, and providing clear incident response channels.

Recommendations

  1. Implement and configure HTTP security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  2. Publish a dedicated security policy page outlining security practices and compliance.
  3. Provide explicit incident response contact information or an abuse email address.
  4. Create and host a security.txt file to facilitate responsible vulnerability disclosure.
  5. Regularly audit third-party scripts and libraries for vulnerabilities and update accordingly.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Kreissparkasse Esslingen-Nürtingen
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, Versicherungen, Immobilien services, Private Banking
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, CSS, HTML5
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS usage
  • Cookie consent mechanism
  • No exposed sensitive data in HTML
  • Secure login form

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Marketing tools
Newsletter, Cookie consent targeting and marketing cookies
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well-structured
  2. Comprehensive financial product offerings for private and corporate customers
  3. Strong regional focus on Esslingen-Nürtingen area
  4. Good privacy and cookie consent implementation
  5. Multiple contact channels including phone, chat, and online forms
  6. Use of modern web technologies and Adobe Experience Manager CMS
  7. No signs of malicious or suspicious content
  8. Social media presence on major platforms
  9. No visible security policy or incident response contacts
  10. No security.txt or vulnerability disclosure page found
Technical notes

Notes

The website is built using modern web technologies including HTML5, CSS, and JavaScript, and is likely powered by Adobe Experience Manager CMS, as indicated by URL patterns and client library paths. The site is mobile-optimized with responsive design and accessibility features such as skip navigation buttons and language options including sign language and easy language. Performance is moderate, with optimized images and structured navigation. SEO is well addressed with meta tags, canonical links, and structured navigation menus. The site integrates external services such as Google Analytics and social media platforms. There is no indication of legacy or vulnerable technologies. Hosting details are not explicitly available but the domain uses multiple nameservers consistent with a professional hosting environment.
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. 78/100Low28 findingsView report
Reviews of this site

Share your experience with ksk-es.de. Every review is verified by email and published after moderation.

Overall rating
Select a rating
4000 characters remaining

We’ll email you to confirm your review and keep your details private.

Community rating

No published reviews yet. Be the first to review ksk-es.de.

Feedback on this report

Rate this report, add an optional comment, and tell us if you want a security specialist to follow up.

Overall report quality
Select a rating
2000 characters remaining

We only use your feedback to improve Guard reports. Contact details are never shared.