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Security report for mijnerkendfinancieeladviseur.nl

Stichting Erkend Hypotheekadviseur · Finance · Netherlands

Medium risk. 7 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

Stichting Erkend Hypotheekadviseur (SEH) operates as a professional certification and community organization for financial advisors in the Netherlands. Established in 1998, SEH provides a quality mark for financial advisors, supporting them with educational resources, events, a professional magazine, and a community platform. The website reflects a mature digital presence with modern technologies such as SvelteKit, MapLibre GL JS, and integrated cookie consent via Cookiebot, ensuring GDPR compliance. SEH maintains a strong market position as a trusted quality mark in the Dutch financial advisory sector, supported by transparent business information and active social media engagement. Security posture is robust with HTTPS, security headers, and no visible vulnerabilities, though there is room for improvement in publishing explicit security policies and incident response contacts. Overall, the website is professional, secure, and user-friendly, serving its target audience effectively.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 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

7 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 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';…

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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
72
Security headers
25
Email security
70
DNS health
65
Network security
100
GDPR outside view
25
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

SEH targets financial advisors seeking professional recognition and continuous development. Its business model revolves around certification, education, and community engagement, generating value through membership, events, and publications. The organization leverages partnerships such as erkendadvies.nl to enhance advisor visibility. The extensive advisor directory and event offerings indicate a well-established ecosystem fostering growth and trust. SEH's transparent registration and VAT details, along with consistent branding and quality content, reinforce its credibility. The website's technical infrastructure supports scalability and performance, positioning SEH well for future digital initiatives.

Security posture

The website demonstrates a mature security posture with enforced HTTPS, comprehensive security headers, and cookie consent mechanisms. No exposed sensitive data or vulnerable libraries were detected. However, the absence of a dedicated security policy or incident response contact limits transparency in security governance. No vulnerability disclosure or security.txt file was found, which could enhance trust and facilitate responsible reporting. Overall, SEH shows good security hygiene appropriate for its sector, but should consider formalizing security policies and incident response channels to strengthen its security culture and compliance.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and commitments.
  2. Provide clear incident response contact information (e.g., security@ or abuse@ email).
  3. Implement and publish a vulnerability disclosure policy or security.txt file.
  4. Enhance privacy compliance by detailing data retention policies and user rights.
  5. Continue monitoring and updating third-party scripts to avoid vulnerabilities.

Contact details published on the site

Addresses
Legal name
Stichting Erkend Hypotheekadviseur
Registration number
33300916
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Stichting Erkend Hypotheekadviseur
Description
De Stichting Erkend Hypotheekadviseur (SEH) is hét kwaliteitskeurmerk voor financieel adviseurs die belang hechten aan hun vakbekwaamheid. Sinds 1998 werken ze aan het versterken van deskundigheid, betrouwbaarheid en zichtbaarheid binnen het vakgebied. Ze bieden erkenning, vakblad, evenementen, PE-bijeenkomsten en een community voor financieel adviseurs.
Key services
Erkenning als SEH Erkend Financieel Adviseur, Vakblad Erkend, Evenementen en PE-bijeenkomsten, Community platform, Adviespocket en kennisbank
Content quality
excellent
Branding
consistent

Technology

Stack
SvelteKit, MapLibre GL JS, Cookiebot, Google Tag Manager, Google Analytics
Frameworks
SvelteKit
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism
  • No exposed sensitive data in HTML
  • Use of security headers

Analytics and tracking

Services
Google Analytics, Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Cookiebot
Marketing tools
Cookiebot
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 no blocking or WAF challenges.
  2. Strong focus on professional financial advisory services and community building.
  3. Comprehensive contact information and clear business identity.
  4. Use of modern web technologies and good security practices.
  5. Cookie consent implemented via Cookiebot, indicating GDPR awareness.
  6. No explicit terms of service or dedicated security policy pages found.
  7. No vulnerability disclosure or security.txt file detected.
  8. Active social media presence on LinkedIn.
  9. Large network of advisors listed with contact details and geolocation.
Technical notes

Notes

The website is built on a modern SvelteKit framework, leveraging client-side rendering and modular JavaScript. It uses MapLibre GL JS for interactive maps and integrates Cookiebot for cookie consent management. Google Tag Manager and Google Analytics are used for analytics and marketing. The site is well-optimized for performance and mobile responsiveness, with valid meta tags and SEO-friendly structure. Accessibility features are present but could be further enhanced. Hosting details are not explicit but performance and security headers suggest a professional hosting environment. Overall, the technical stack supports a fast, secure, and user-friendly experience aligned with the organization's business goals.
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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