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Security report for l-bank.info

L-Bank · Finance · Germany

Low risk. 3 critical or high findings in Email security and GDPR outside view.

Security score

76/100

Risk levelLow

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

L-Bank is the state development bank of Baden-Württemberg, Germany, providing financial support and services to businesses, municipalities, and individuals within the region. The bank focuses on economic development, housing promotion, family support, education, and social initiatives. It holds a strong market position as a regional government-backed financial institution with a history dating back to 1924. The website reflects a mature digital presence with modern technologies such as Vue.js and Hippo CMS, delivering excellent user experience and accessibility. Security posture is robust with HTTPS, comprehensive security headers, and cookie consent mechanisms, although some improvements like OCSP stapling and HSTS preload could enhance security further. Privacy compliance is well addressed with clear policies and consent management. Overall, the site demonstrates high professionalism, trustworthiness, and business credibility.

Scanned

NIS2 and GDPR posture

GDPR outside view
43/ 100 · High
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

3 findings rated critical or high. Fix these first.

  1. Email security

    SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.

    • Critical

      No email authentication configured

      Domain is vulnerable to email spoofing

      What to do: Implement SPF, DKIM, and DMARC immediately

  2. GDPR outside view

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

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • 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

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

Keep watching l-bank.info

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

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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
87
Security headers
80
Email security
60
DNS health
85
Network security
100
GDPR outside view
43
Average
76

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

L-Bank operates as a large finance entity specializing in regional economic development and public sector financing. Its business model revolves around providing subsidized loans, grants, and support programs to SMEs, families, and social projects. The bank targets a broad audience including startups, established companies, municipalities, and private individuals seeking housing finance. The presence of investor relations and press sections indicates transparency and stakeholder engagement. The bank leverages partnerships with domains like l-bank.de and uses analytics tools such as etracker for user insights. The company’s long history and government affiliation provide competitive advantages and market stability. Growth indicators include digital transformation efforts and sustainability initiatives.

Security posture

The website exhibits a strong security posture with enforced HTTPS, strict content security policies including nonce-based script loading, and multiple security headers like X-Frame-Options and X-XSS-Protection. No known SSL vulnerabilities are detected, and the TLS configuration supports modern protocols TLS 1.2 and 1.3. However, OCSP stapling is not enabled, and HSTS preload is not configured, which are recommended for enhanced SSL security. No exposed sensitive data or vulnerable libraries were found. Forms use CSRF tokens and secure cookies, indicating secure input handling. Incident response and vulnerability disclosure policies are not explicitly found, suggesting room for improvement in transparency and readiness.

Recommendations

  1. Enable OCSP stapling on the SSL certificate to improve revocation checking and performance.
  2. Configure HSTS preload and include subdomains to strengthen HTTPS enforcement.
  3. Publish a dedicated security policy and vulnerability disclosure page or security.txt file.
  4. Enhance incident response transparency by providing security contact channels such as security@ or abuse@ emails.
  5. Regularly review and update cipher suites to explicitly specify strong ciphers and disable weak ones.

Contact details published on the site

Addresses
Legal name
Landeskreditbank Baden-Württemberg – Förderbank –
Technical notes

Notes

The website is built using Vue.js framework and served with modern HTML5 and CSS3 standards. It uses Hippo CMS as the content management system, indicated by hippocms references. The hosting provider is Telemaxx, as per DNS NS records. Performance is optimized with lazy loading of fonts and images, and deferred loading of JavaScript. Accessibility features such as skip links, ARIA roles, and keyboard focus management are implemented. SEO is supported by comprehensive meta tags, Open Graph tags, and structured data in JSON-LD format. The site uses etracker for analytics and tracking with cookie consent. Overall, the technical infrastructure is modern, secure, and performant with good mobile optimization.
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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