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Security report for laks.lv

Krājaizdevu sabiedrība · Finance · Latvia

Medium risk. 8 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

62/100

Risk levelMedium

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

Krājaizdevu sabiedrība operates as a Latvian credit union providing a range of financial services including various loan products and deposit accounts. The website highlights their 30-year history, indicating an established presence in the Latvian financial sector. Their target audience primarily consists of credit union members and Latvian consumers seeking credit and savings products. The business model focuses on member-based financial services with an emphasis on accessibility and financial education. Technically, the website is built on an older CMS (WebCMS v 2.5) and uses legacy JavaScript libraries such as jQuery 1.7.2, which may pose security risks. The site integrates common marketing and analytics tools including Google Tag Manager, Google Analytics, Facebook Pixel, and AddThis, indicating moderate digital maturity. Security posture is moderate but could be improved by updating libraries, implementing security headers, and publishing clear privacy and cookie policies. Overall, the website is functional and moderately professional but lacks comprehensive privacy and security disclosures, which impacts trust and compliance. Strategic improvements in security and privacy transparency are recommended to enhance user trust and regulatory compliance.

Scanned

NIS2 and GDPR posture

GDPR outside view
10/ 100 · Critical
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

8 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.

    • Critical

      EU business without adequate privacy measures

      EU businesses are subject to strict GDPR requirements

      What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

    • 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

  2. 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"

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

Keep watching laks.lv

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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
67
Security headers
30
Email security
80
DNS health
85
Network security
100
GDPR outside view
10
Average
62

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 credit union positions itself as a stable financial institution with a long operational history, targeting Latvian consumers and union members. Their product portfolio includes express loans, consumer loans, auto loans, credit consolidation, housing loans, and deposit products. The presence of financial education links suggests a focus on member empowerment. Partnerships with related financial and educational sites indicate a collaborative ecosystem. The business model relies on member deposits and loan interest, typical for credit unions. The website's moderate content quality and basic branding consistency reflect a medium-sized organization with room for digital growth. Absence of detailed company registration or VAT information on the site limits transparency. The company benefits from social media engagement but could improve online presence and trust signals by adding certifications and detailed business information.

Security posture

Security maturity is moderate with HTTPS usage implied but no explicit security headers detected in the provided data. The use of outdated JavaScript libraries such as jQuery 1.7.2 introduces potential vulnerabilities. No visible privacy or cookie policies reduce compliance with GDPR and other data protection regulations. Tracking technologies like Google Analytics and Facebook Pixel are used without clear user consent mechanisms. No incident response or security contact information is provided, which may hinder timely vulnerability reporting and response. Recommendations include updating all third-party libraries, implementing security headers (CSP, HSTS, X-Frame-Options), publishing comprehensive privacy and cookie policies, and establishing clear incident response contacts. These steps will improve security posture and regulatory compliance.

Recommendations

  1. Update all JavaScript libraries and dependencies to current secure versions to mitigate known vulnerabilities.
  2. Implement and publish comprehensive privacy and cookie policies with clear GDPR compliance statements.
  3. Add security headers such as Content Security Policy (CSP), HTTP Strict Transport Security (HSTS), and X-Frame-Options to enhance protection against common web attacks.
  4. Establish and publicize incident response and vulnerability disclosure contacts to improve security transparency and responsiveness.
  5. Enhance mobile optimization and accessibility to improve user experience and broaden audience reach.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Krājaizdevu sabiedrība
Description
Krājaizdevu sabiedrība providing credit union services including various types of loans and deposits, targeting members and customers interested in financial products such as express credit, consumer credit, auto credit, credit consolidation, housing credit, and deposits.
Key services
Ekspress kredīts, Iespēju kredīts, Auto kredīts, Kredītu apvienošana, Mājokļa kredīts, Noguldījumi
Content quality
basic
Branding
moderate

Technology

Stack
jQuery 1.7.2, jQuery UI 1.8.19, Google Tag Manager, Google Analytics, Facebook Pixel, AddThis widget
Performance
moderate
Mobile
basic
Accessibility
basic
SEO
basic

Security

Observed score
55/100
Good practices seen
  • Use of HTTPS (implied by Google Tag Manager and Facebook Pixel scripts loaded over HTTPS)
  • No visible exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics, Facebook Pixel
Tracking level
moderate
Privacy practices
poor

Advertising

Tracking pixels
Facebook Pixel
Marketing tools
AddThis
Transparency
basic

Site quality

Design
basic
User experience
basic
Content relevance
basic
Navigation
basic
Professionalism
basic
Trustworthiness
moderate

Key observations

  1. Website is accessible and not blocked by WAF or security challenges.
  2. WHOIS data unavailable due to query limit error; no registrar or domain age info extracted.
  3. Website uses outdated JavaScript libraries which may pose security risks.
  4. No privacy, cookie, or terms of service policies found on the main page HTML.
  5. Contact information is present but limited to email and phone in header only.
  6. Social media presence on Facebook and Instagram is evident.
  7. No security headers detected in the provided data.
  8. Website uses Google Tag Manager, Google Analytics, Facebook Pixel, and AddThis for tracking and marketing.
  9. Content is financial services oriented, safe for general audiences.
  10. Basic technical implementation with moderate performance and mobile optimization.
Technical notes

Notes

The website uses an older CMS (WebCMS v 2.5) and legacy JavaScript libraries including jQuery 1.7.2 and jQuery UI 1.8.19, which are outdated and may contain security vulnerabilities. The site integrates Google Tag Manager, Google Analytics, Facebook Pixel, and AddThis for analytics and marketing. Performance is moderate with basic mobile optimization and accessibility features. SEO is basic with standard meta tags and Open Graph tags but no structured data (JSON-LD) detected. Hosting provider and SSL configuration details are not available from the provided data. The site uses synchronous and asynchronous loading of scripts, which may impact load times. Overall, the technical infrastructure is functional but would benefit from modernization and security hardening.
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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