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Security report for lkcentrs.lv

SIA LATVIJAS KREDĪTU CENTRS · Finance · Latvia

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

Security score

60/100

Risk levelMedium

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

SIA LATVIJAS KREDĪTU CENTRS operates as a Latvian financial services provider specializing in consumer loans, credit consolidation, auto leasing, mortgage loans, and business loans. The company targets Latvian individuals and businesses seeking credit solutions, offering a variety of loan products with competitive interest rates and flexible terms. The website is professionally designed, providing clear navigation and comprehensive information about loan offerings, supported by an online credit calculator and application forms. The company maintains a physical office in Riga, enhancing trust and accessibility for customers. Technically, the website leverages modern web technologies including AngularJS, Google Analytics, Facebook Pixel, and Google Maps API, indicating a mature digital infrastructure. The site is mobile-optimized and employs HTTPS with CSRF protections in forms, although some security headers could be improved. The presence of GDPR-compliant privacy policies and consent mechanisms reflects adherence to European data protection regulations. From a security perspective, the site demonstrates good practices such as encrypted connections and data protection in forms, but lacks explicit incident response contacts and security.txt disclosures. No WAF or blocking mechanisms were detected, and no vulnerabilities were apparent in the content. The absence of a cookie consent banner may represent a compliance gap. Overall, the website is trustworthy and professionally maintained, suitable for its financial services business. Strategically, the company should enhance its security posture by publishing vulnerability disclosure policies, adding comprehensive security headers, and implementing cookie consent mechanisms to improve compliance and user trust. These steps will strengthen the company's digital maturity and regulatory adherence, supporting sustainable growth in the competitive Latvian finance market.

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 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';…

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Keep watching lkcentrs.lv

This scan found 25 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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Full report

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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
62
Security headers
40
Email security
70
DNS health
75
Network security
100
GDPR outside view
10
Average
60

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 company positions itself as a key player in the Latvian credit market, offering a broad portfolio of loan products catering to both consumers and businesses. Its competitive advantages include a wide range of credit options, online application capabilities, and physical office presence. Revenue streams likely derive from interest and fees on various loan products. The target customer segments include individuals needing consumer credit, vehicle financing, and business clients requiring capital. The partnership ecosystem includes related financial service providers such as Nord Auto Līzings and Kredītu Salīdzināšanas Platforma, enhancing service offerings and data processing capabilities. The company demonstrates growth orientation through digital marketing investments and comprehensive online tools. Operationally, the firm balances online and offline channels, leveraging technology to streamline credit applications and customer engagement.

Security posture

The website exhibits a moderate to good security maturity level. HTTPS is enforced, and forms include CSRF tokens and GDPR consent checkboxes, indicating attention to data protection. However, the absence of explicit security headers like Content-Security-Policy and X-Frame-Options reduces defense-in-depth. No incident response or vulnerability disclosure information is publicly available, which limits transparency and readiness perception. The use of multiple tracking and marketing scripts increases the attack surface but appears managed. No exposed sensitive data or known vulnerabilities were detected in the HTML content. Compliance with GDPR is evident, but cookie consent mechanisms are missing, representing a potential regulatory risk. Overall, the security posture is adequate for the business type but can be improved with better header policies and incident response disclosures.

Recommendations

  1. Publish a security.txt file and clearly provide incident response contact information on the website.
  2. Implement comprehensive security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  3. Add a cookie consent banner to comply fully with GDPR cookie regulations.
  4. Enhance accessibility features to meet recognized standards and improve user experience for all visitors.
  5. Regularly audit third-party scripts and tracking tools to minimize privacy risks and improve performance.

Contact details published on the site

Addresses
Legal name
SIA LATVIJAS KREDĪTU CENTRS
Registration number
40103664202
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
SIA LATVIJAS KREDĪTU CENTRS
Description
Kredīti un aizņēmumi bez ķīlas ar jebkuru kredītvēsturi. Ilgtermiņa kredīti no 500€ ar zemiem procentiem. Ikmēneša kredīta maksājumu kalkulators un pieteikums.
Key services
Patēriņa kredīts (Consumer loans), Kredītu apvienošana (Credit consolidation), Auto līzings / Auto kredīts (Auto leasing/credit), Kredīts pret nekustamā īpašuma ķīlu (Mortgage loans), Kredīts ārzemēs strādājošajiem (Loans for workers abroad), Kredīti biznesam (Business loans)
Content quality
good
Branding
consistent

Technology

Stack
Google Analytics, Google Tag Manager, Facebook Pixel, Yandex Metrika, Google Maps API, AngularJS (ng- directives detected), jQuery (implied by slider usage), Custom CSS and JS
Frameworks
AngularJS
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced
  • Use of CSRF tokens in forms
  • GDPR consent checkboxes
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics, Yandex Metrika, Facebook Pixel
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Facebook Ads, Google Ads
Tracking pixels
Facebook Pixel, Yandex Metrika
Marketing tools
JivoSite chat widget
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with rich content and multiple loan product offerings.
  2. No WHOIS data available due to query limit error; limits domain registration verification.
  3. Strong GDPR compliance with explicit consent checkboxes and privacy policy.
  4. Use of multiple analytics and marketing tools indicates mature digital marketing.
  5. No visible security.txt or incident response contacts; opportunity for improvement.
  6. No cookie consent banner detected; potential compliance gap.
  7. Physical office address and contact details clearly provided.
  8. No suspicious or malicious content detected.
Technical notes

Notes

The website is built using AngularJS framework with integration of Google Analytics, Facebook Pixel, Yandex Metrika, and Google Maps API, indicating a modern and feature-rich technical stack. The site uses custom CSS and JavaScript for UI components such as sliders and forms. Performance is moderate with asynchronous loading of scripts and optimized assets. Mobile optimization is good, with responsive design elements and mobile-specific navigation. SEO is supported by meta tags and Open Graph properties. No CMS was explicitly detected, suggesting a custom or proprietary platform. Hosting provider details are not disclosed. The site could benefit from enhanced accessibility features and improved security headers to reduce technical risks. Overall, the technical infrastructure supports the business needs effectively but has room for 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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