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Security report for loando.ua

Товариство з обмеженою відповідальністю Лоандо · Finance · Ukraine

High risk. 9 critical or high findings in Email security, Network security and 3 other checks.

Security score

47/100

Risk levelHigh

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

Loando.ua is a Ukrainian financial comparison portal specializing in online credit offers from various microfinance organizations and banks. It provides users with detailed comparisons, ratings, and reviews of credit providers, facilitating informed borrowing decisions. The platform targets Ukrainian consumers seeking quick and accessible online loans. Technically, the website employs modern web technologies including Bootstrap for responsive design, jQuery for interactivity, and integrates multiple analytics tools such as Google Analytics, Yandex Metrika, and Hotjar for user behavior tracking. The site is mobile-optimized and offers a good user experience with clear navigation and relevant content. Security-wise, the site uses HTTPS and follows basic best practices but lacks explicit published security policies or incident response information. Privacy compliance is moderate, with a clear privacy policy but no visible cookie consent mechanism. Overall, the domain registration data aligns well with the business claims, indicating legitimacy and trustworthiness.

Scanned

NIS2 and GDPR posture

GDPR outside view
35/ 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

9 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. Network security

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

    • Critical

      Critical Service Exposed: MySQL

      Port 3306 (MySQL) is publicly accessible - MySQL - Database server

      What to do: Immediately restrict access to MySQL using firewall or VPN

      • 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

  3. 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 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';…

  4. GDPR outside view

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

    • 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

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

Keep watching loando.ua

This scan found 24 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.

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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
72
Security headers
60
Email security
40
DNS health
75
Network security
0
GDPR outside view
35
Average
47

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 · found on this site
  • 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

Loando.ua holds a solid position in the Ukrainian online lending market as a trusted aggregator and comparison service. Its business model revolves around partnering with licensed financial institutions to present their loan products transparently. The platform benefits from a broad portfolio of loan providers, detailed loan product information, and user ratings, which enhance customer trust and engagement. The company maintains active social media channels and offers newsletters to keep users informed. While the site does not disclose revenue streams explicitly, it likely earns through affiliate partnerships or lead generation. The target audience includes individuals aged 18+ in Ukraine seeking microloans or short-term credit solutions. The company operates as a medium-sized entity with consistent branding and professional content.

Security posture

The website demonstrates a moderate to good security posture with enforced HTTPS and no visible exposure of sensitive data in the HTML content. It uses asynchronous loading of third-party scripts to optimize performance and reduce risk. However, the absence of a published security policy, incident response plan, or vulnerability disclosure mechanism limits transparency and preparedness. No critical vulnerabilities or suspicious elements were detected in the content. The site should improve by publishing security-related documentation and implementing cookie consent to enhance GDPR compliance. Overall, the security maturity is adequate for the business type but can be strengthened to build greater user trust.

Recommendations

  1. Publish a dedicated security policy and incident response page to improve transparency and user confidence.
  2. Implement a cookie consent banner/mechanism to comply with GDPR and other privacy regulations.
  3. Add a vulnerability disclosure policy or security.txt file to encourage responsible reporting of security issues.
  4. Enhance accessibility features to improve usability for all users, including those with disabilities.
  5. Create and publish a terms of service page to clarify user rights and obligations.

Contact details published on the site

Addresses
Legal name
Товариство з обмеженою відповідальністю Лоандо
Registration number
42771595
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Товариство з обмеженою відповідальністю Лоандо
Description
Інтернет-сервіс Loando представляє пропозиції кредитів онлайн та кредитів готівкою від кредитних організацій України. Порівнює пропозиції за різними критеріями та формує щомісячний народний рейтинг кращих пропозицій місяця.
Key services
Порівняння кредитних компаній, Рейтинг кредитів онлайн, Інформаційний контент про кредити, Розсилка акцій та новин
Content quality
good
Branding
consistent

Technology

Stack
jQuery, Bootstrap, Google Analytics, Google Tag Manager, Yandex Metrika, Hotjar
Frameworks
Bootstrap
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of async loading for scripts

Analytics and tracking

Services
Google Analytics, Yandex Metrika, Hotjar
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
Yandex Metrika, Hotjar
Marketing tools
Leado Subscribe
Transparency
basic

Site quality

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

Key observations

  1. Website provides comprehensive comparison of online credit offers in Ukraine.
  2. Strong presence of contact and company information.
  3. Multiple loan providers listed with detailed info and user ratings.
  4. No signs of malicious or suspicious content.
  5. No cookie consent banner detected, which may affect GDPR compliance.
  6. No explicit security or incident response policies published.
  7. Good use of analytics and marketing tools.
  8. Mobile optimized and responsive design.
Technical notes

Notes

The website is built using a modern and widely supported technology stack including Bootstrap for responsive design and jQuery for client-side scripting. It integrates multiple analytics and marketing tools such as Google Analytics, Yandex Metrika, Hotjar, and Google Tag Manager, indicating a mature approach to user behavior analysis and marketing optimization. The site loads scripts asynchronously to improve performance. The HTML structure is valid and SEO-friendly with appropriate meta tags and Open Graph data. Mobile optimization is good, ensuring usability across devices. No CMS was explicitly detected, suggesting a custom or proprietary platform. Hosting provider details were not evident from the content. Overall, the technical implementation is solid with room for minor improvements in accessibility and privacy compliance.
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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