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Security report for kzvk.de

Kirchliche Zusatzversorgungskasse des VDD (KZVK Köln) · Government · Germany

Medium risk. 5 critical or high findings in Security headers, SSL/TLS and 1 other check.

Security score

58/100

Risk levelMedium

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

The Kirchliche Zusatzversorgungskasse des VDD (KZVK Köln) operates as a national partner providing supplementary pension services for church-related employers and insured persons in Germany. The website clearly targets employers, insured individuals, and pensioners, offering detailed information on pension schemes, customer portals, seminars, and support services. The organization positions itself as a trusted, established entity within the government/non-profit sector, focusing on pension and social security benefits. Technically, the website is built on TYPO3 CMS with modern frontend technologies including Bootstrap and jQuery, supported by Google Tag Manager and Cookiebot for analytics and privacy compliance. The site is mobile-optimized and provides a good user experience with clear navigation and professional design. Security posture is solid with HTTPS enforced and anti-CSRF measures, though some security headers could be improved. Privacy compliance is strong, with a comprehensive privacy policy and cookie consent mechanism in place. No critical vulnerabilities or suspicious content were detected, and WHOIS data confirms domain legitimacy and consistency with the business claims. Overall, the website reflects a mature digital presence suitable for a medium-sized government/non-profit pension fund.

Scanned

NIS2 and GDPR posture

GDPR outside view
95/ 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

5 findings rated critical or high. Fix these first.

  1. 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';…
  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
  3. Network security

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

    • 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

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

Keep watching kzvk.de

This scan found 23 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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Recommended

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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
30
Email security
60
DNS health
65
Network security
20
GDPR outside view
95
Average
58

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 kzvk.de, from OffSeq Breach.

Total records
15
Employees
0
Customers
15
Third parties
0
Weak passwords
0%

3 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 kzvk.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

KZVK operates in the government/non-profit sector, specializing in church-related supplementary pension schemes. Its business model revolves around providing pension benefits and related services to employers and insured persons. The presence of a dedicated customer portal and seminar offerings indicates a focus on digital service delivery and client engagement. The organization maintains a consistent brand and clear market positioning as a trusted pension partner in Germany. The use of subdomains for seminars and web services suggests a modular service architecture. The website content and structure support a professional image, targeting a specialized audience with relevant pension-related information and tools.

Security posture

The website demonstrates a good security posture with HTTPS enforced and use of anti-CSRF cookies. Cookie consent is managed via Cookiebot, ensuring GDPR compliance. However, explicit security headers like Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options are not visibly configured, representing an area for improvement. No exposed sensitive data or vulnerable libraries were detected in the HTML content. The absence of a published security policy or incident response contact limits transparency in security governance. Overall, the site is secure for typical user interactions but could enhance defenses and communication around security practices.

Recommendations

  1. Implement and enforce security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to mitigate common web attacks.
  2. Publish a clear security policy and provide dedicated incident response contact channels to improve transparency and trust.
  3. Regularly audit and update third-party libraries and CMS components to prevent vulnerabilities.
  4. Enhance accessibility features to improve usability for all users, including those with disabilities.
  5. Consider adding a security.txt file to facilitate responsible vulnerability disclosure.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Kirchliche Zusatzversorgungskasse des VDD (KZVK Köln)
Description
Die KZVK ist der bundesweite Partner für die betriebliche Alters-, Erwerbsminderungs- und Hinterbliebenenversorgung ihrer beteiligten Arbeitgeber.
Key services
Betriebliche Altersversorgung (company pension schemes), Erwerbsminderungsversorgung (disability pension), Hinterbliebenenversorgung (survivor benefits), Customer portal 'Meine KZVK', Seminars and online webinars
Content quality
good
Branding
consistent

Technology

Stack
TYPO3 CMS, jQuery 3.2.1, Bootstrap, Font Awesome, Featherlight (lightbox), Bootstrap Datepicker, Google Tag Manager, Cookiebot
Frameworks
TYPO3 CMS
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with opt-in/out
  • Use of anti-CSRF cookie (.AspNetCore.Antiforgery.#)
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Usercentrics, Google Analytics (_ga, _gid, _gat)
Marketing tools
Cookiebot
Transparency
good

Site quality

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

Key observations

  1. Website uses TYPO3 CMS with modern frontend libraries.
  2. Cookie consent is implemented with Cookiebot, showing GDPR compliance.
  3. Clear contact information with phone numbers and contact forms.
  4. Customer portal 'Meine KZVK' is linked and accessible.
  5. No signs of malware, phishing, or suspicious content.
  6. Security headers could be improved for enhanced protection.
  7. No explicit security or incident response policies published.
  8. Use of Google Analytics and Tag Manager is transparent and consented.
  9. Content is in German and targeted at German church-related pension stakeholders.
Technical notes

Notes

The website is powered by TYPO3 CMS, a robust and widely used open-source content management system. Frontend technologies include Bootstrap for responsive design, jQuery for interactivity, and Font Awesome for icons. Cookiebot is integrated for cookie consent management, and Google Tag Manager is used for analytics deployment. Hosting is via netcologne.de, a reputable German provider. The site demonstrates good mobile optimization and SEO practices with appropriate meta tags and structured navigation. Performance is moderate, with room for optimization in loading speed and accessibility compliance. The technical stack is modern and well-maintained, supporting the organization's digital service goals effectively.
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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