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Security report for mutuelledesscop.fr

La Mutuelle des Scop et des Scic · Non-profit · France

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

Security score

67/100

Risk levelMedium

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

La Mutuelle des Scop et des Scic is a French mutual insurance organization specializing in health and provident coverage tailored for cooperative enterprises and their members, including active and retired cooperators. The website positions itself as a niche mutual insurer emphasizing solidarity and cooperative values, offering multiple health insurance plans adapted to various cooperative sectors and individual needs. The company operates with a medium-sized footprint, founded in 2017, and maintains a consistent brand presence with clear governance and compliance with GDPR regulations. Technically, the website is built on Drupal 10, hosted by OVH, and employs modern web technologies with good mobile optimization and accessibility. Security posture is solid with HTTPS enforcement and cookie consent mechanisms, although formal security policies and incident response contacts are absent. Overall, the site is professional, trustworthy, and compliant with privacy standards, with a moderate to good technical and security maturity level.

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: 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 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

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

Keep watching mutuelledesscop.fr

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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
77
Security headers
65
Email security
70
DNS health
65
Network security
100
GDPR outside view
25
Average
67

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 targets cooperative organizations such as SCOPs, SCICs, CAEs, and individual cooperators, providing tailored health and provident insurance products. Its business model is mutualistic and non-profit, focusing on solidarity and cooperative values rather than commercial profit. The presence of dedicated member and professional health spaces indicates a service-oriented approach. The company leverages partnerships, notably with mucs.synergie-mutuelles.fr, to extend member services. The website content and structure suggest a stable market position within the cooperative insurance niche in France, with growth potential through digital engagement and service diversification.

Security posture

The website demonstrates a good security baseline with HTTPS and cookie consent management via Tarteaucitron. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. However, the absence of explicit security policies, incident response information, and security headers like CSP or X-Frame-Options indicates room for improvement. Analytics usage is privacy-conscious, employing Matomo with user consent. The security score is solid but could be enhanced by formalizing security governance and improving HTTP header configurations.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and commitments.
  2. Provide clear incident response contact channels such as security@ or abuse@ email addresses.
  3. Implement and configure security HTTP headers including Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
  4. Regularly audit and update third-party scripts and libraries to mitigate vulnerabilities.
  5. Consider publishing a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
La Mutuelle des Scop et des Scic
Description
Mutuelle solidaire créée pour accompagner les coopérateurs actifs ou retraités dans leurs parcours de vie, offrant des protections santé et prévoyance adaptées aux valeurs des coopératives.
Key services
Santé SCOP, Santé CAE, Santé Retraité, Santé Actifs & Jeunes, Conseils & Astuces, Espace adhérent, Espace professionnels de santé
Content quality
good
Branding
consistent

Technology

Stack
Drupal 10, Swiper.js, Tarteaucitron (cookie consent)
Frameworks
Drupal
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism with granular control
  • No exposed sensitive data in HTML
  • No vulnerable libraries detected in scripts

Analytics and tracking

Services
Matomo
Tracking level
minimal
Privacy practices
good

Advertising

Tracking pixels
Matomo (disabled by default, consent-based)
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 no blocking or WAF challenges.
  2. Content is professionally presented and relevant to the cooperative mutual insurance sector.
  3. Strong GDPR and cookie compliance with clear policies and consent mechanisms.
  4. Contact information is clearly provided with phone and contact forms.
  5. No explicit security policy or incident response information found.
  6. Use of modern CMS (Drupal 10) and standard web technologies.
  7. Social media presence on LinkedIn and YouTube supports brand trust.
  8. No advertising or affiliate marketing detected.
  9. Analytics usage is privacy-conscious with Matomo and consent-based tracking.
Technical notes

Notes

The website is built on Drupal 10, a modern and widely supported CMS, ensuring a robust content management framework. Hosting is provided by OVH, a reputable provider. The site uses Swiper.js for interactive sliders and Tarteaucitron for cookie consent management, reflecting attention to user experience and privacy compliance. Performance is moderate, with good mobile optimization and accessibility features. SEO is well addressed with proper meta tags and canonical links. There is no evidence of technical debt or deprecated technologies. Opportunities exist to enhance performance and security through optimization and additional security headers.
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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