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Security report for medirect.be

MeDirect · Finance · Belgium

Medium risk. 5 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

59/100

Risk levelMedium

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

MeDirect is a Belgium-based financial services company specializing in digital banking and investment products. The website presents a professional and comprehensive platform offering debit cards, investment solutions including mutual funds, ETFs, equities, bonds, and portfolio management services. The company targets retail customers seeking convenient, low-cost, and self-directed financial services. Technically, the website is built on WordPress with Elementor and integrates modern tools such as Iubenda for cookie compliance, Matomo for analytics, and VWO for optimization. Security posture is strong with HTTPS enforced, cookie consent mechanisms, and use of reCAPTCHA, although some security headers could be improved. The WHOIS data aligns well with the business claims, supporting legitimacy. Overall, the site demonstrates a mature digital presence with good privacy compliance and user experience.

Scanned

NIS2 and GDPR posture

GDPR outside view
48/ 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

5 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

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

    • 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

  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.

    • Critical

      No HTTPS Encryption

      Website does not use HTTPS encryption, making all data transmission vulnerable to interception

      What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS

  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 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';…

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

Keep watching medirect.be

This scan found 16 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

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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
0
Security headers
25
Email security
98
DNS health
85
Network security
100
GDPR outside view
48
Average
59

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

MeDirect positions itself as a digital-first bank and investment platform with competitive pricing and a focus on user empowerment. Its business model revolves around online direct banking and investment services, leveraging partnerships with major fund houses like BlackRock and JP Morgan. The company offers a range of products from debit cards to managed portfolios, targeting retail investors in Belgium. The presence of multiple promotions and educational content indicates active customer engagement and growth focus. The partnership ecosystem is robust, enhancing credibility and service offerings.

Security posture

The website exhibits a solid security foundation with HTTPS, cookie consent, and anti-bot measures via reCAPTCHA. No exposed sensitive data or vulnerable libraries were detected. However, explicit security headers like X-Frame-Options and X-Content-Type-Options are not evident and should be implemented. There is no public vulnerability disclosure or incident response information available, which could be improved to enhance transparency and readiness. Overall, the security posture is good but can benefit from additional hardening and documentation.

Recommendations

  1. Implement and enforce additional security headers such as X-Frame-Options and X-Content-Type-Options.
  2. Publish a public vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  3. Enhance accessibility features to meet higher compliance standards.
  4. Provide clear incident response contact information and security policies on the website.
  5. Regularly audit third-party scripts and dependencies for vulnerabilities and update accordingly.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
MeDirect
Description
MeDirect is a financial services company offering banking, investment, and savings products. They provide services such as debit cards, investment solutions (MeSolo, MeManaged, MeGreen), savings accounts, and state bonds. The company emphasizes user empowerment with tools for self-directed investing and professional portfolio management.
Key services
Debit cards, Investment products (mutual funds, ETFs, equities, bonds), Savings accounts, Portfolio management services, Mobile app for banking and investing
Content quality
excellent
Branding
consistent

Technology

Stack
WordPress, Elementor, Iubenda cookie solution, Google Fonts, Google reCAPTCHA, Matomo analytics, VWO (Visual Website Optimizer), jQuery, Swiper.js
Frameworks
Elementor
Platforms
WordPress
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with granular control
  • Use of reCAPTCHA for forms
  • No exposed sensitive data in HTML
  • No visible vulnerable libraries

Analytics and tracking

Services
Matomo
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Matomo, VWO
Marketing tools
Iubenda cookie solution, VWO, Matomo
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with rich content and professional design
  2. Strong focus on investment and banking products with clear calls to action
  3. Comprehensive cookie consent mechanism implemented via Iubenda
  4. Use of modern web technologies and analytics tools
  5. No visible security or privacy red flags
  6. WHOIS data supports legitimacy and consistency of business identity
Technical notes

Notes

The website uses a modern WordPress CMS with Elementor page builder, integrating multiple third-party scripts for cookie management, analytics, and optimization. The tech stack includes jQuery, Swiper.js, and Google Fonts. Performance is moderate with good mobile optimization and SEO practices. The site uses asynchronous loading for scripts and has a responsive design. Hosting provider details are not explicit. There is room for improvement in accessibility and security header implementation. Overall, the technical infrastructure supports a professional and user-friendly digital banking platform.
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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