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Security report for mirovinsko.hr

Hrvatski zavod za mirovinsko osiguranje · Government · Croatia

Medium risk. 6 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

69/100

Risk levelMedium

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

Hrvatski zavod za mirovinsko osiguranje (HZMO) is a Croatian government public institution responsible for managing the pension insurance system. Established by law in 2001, it serves employees, agricultural workers, craftsmen, and other insured persons by administering pension rights and benefits based on generational solidarity. The website provides comprehensive information about pensions, child allowances, insurance registrations, and electronic services, targeting Croatian residents and pensioners. It holds a strong market position as the official national pension authority with a large organizational size and a well-established digital presence. The site is professionally designed with consistent branding and clear navigation, supporting multiple languages and accessibility features.

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

6 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 Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

    • High

      Third-party services without privacy policy

      Detected services: Facebook, LinkedIn, YouTube

      What to do: Document all third-party data sharing in your privacy policy

  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 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 mirovinsko.hr

This scan found 21 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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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
65
Email security
65
DNS health
85
Network security
100
GDPR outside view
25
Average
69

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

HZMO operates as a government entity providing essential social security services. Its business model focuses on public service delivery rather than profit generation. The institution leverages partnerships with related government and service domains to extend its digital service offerings, including electronic requests and pension management portals. The presence of ISO 27001 certification and official social media channels enhances its credibility and trustworthiness. The organization targets a broad demographic of insured persons and pensioners, with growth indicators tied to demographic changes and pension reforms. The partnership ecosystem includes specialized portals for pension management and employment of pensioners, reflecting a comprehensive service network.

Security posture

The website demonstrates a mature security posture with HTTPS enforcement, ISO 27001 certification, and cookie consent mechanisms aligned with GDPR. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. However, the absence of a published vulnerability disclosure policy and incident response contact information suggests room for improvement in transparency and incident management readiness. Security headers were not explicitly detected in the provided data, indicating potential enhancement opportunities. Overall, the site maintains good security hygiene appropriate for a government institution handling sensitive personal data.

Recommendations

  1. Publish a formal vulnerability disclosure policy or security.txt file to facilitate responsible reporting.
  2. Add explicit incident response contact channels such as security@ or abuse@ email addresses.
  3. Implement and verify security headers like Content Security Policy (CSP), HSTS, and X-Frame-Options to strengthen defense.
  4. Regularly audit third-party scripts and dependencies to mitigate supply chain risks.
  5. Enhance user privacy transparency by detailing data retention policies and cookie usage in accessible formats.

Contact details published on the site

Addresses
Legal name
Hrvatski zavod za mirovinsko osiguranje
Registration number
1416626
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Hrvatski zavod za mirovinsko osiguranje
Description
HRVATSKI ZAVOD ZA MIROVINSKO OSIGURANJE je javna ustanova osnovana Zakonom o mirovinskom osiguranju, kojim je ujedno započet proces reforme mirovinskog sustava, radi ostvarivanja prava zaposlenika, poljoprivrednika, obrtnika i drugih osoba iz obveznog mirovinskog osiguranja, na temelju generacijske solidarnosti.
Key services
Pension rights overview, Pension application processing, Child allowance, Issuance of certificates (A1), Electronic services (e-business, e-requests), Information and publications, Statistical data
Content quality
good
Branding
consistent

Technology

Stack
HTML5, CSS3, JavaScript, Bootstrap Datepicker, Swiper.js
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • ISO 27001 certification
  • Cookie consent banner with options
  • No exposed sensitive data in HTML
  • Secure forms with hidden anti-bot fields

Analytics and tracking

Tracking level
minimal
Privacy practices
good

Advertising

Transparency
poor

Site quality

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

Key observations

  1. Website is a Croatian government pension insurance portal
  2. Content is comprehensive and professionally presented
  3. Multiple official social media channels linked
  4. ISO 27001 certification prominently displayed
  5. Cookie consent mechanism implemented
  6. No signs of blocking or WAF interference
  7. No visible security vulnerabilities or exposed sensitive data
  8. No explicit privacy or incident response contact emails found
  9. No terms of service page detected
  10. Forms include anti-bot hidden fields
Technical notes

Notes

The website uses a modern and stable technology stack including HTML5, CSS3, JavaScript, Bootstrap Datepicker, and Swiper.js for UI components. The CMS appears to be a custom or proprietary system (Globaladmin) tailored for government use. Hosting is managed by CARNET, a Croatian academic and research network, ensuring reliable infrastructure. The site is mobile-optimized with good accessibility features and SEO practices. Performance is moderate, with room for optimization in loading speed and resource management. The technical implementation supports a professional user experience with secure forms and anti-bot measures.
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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