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Security report for nmanet.nl

Qilo · Finance · Netherlands

Medium risk. 9 critical or high findings in GDPR outside view, Email security and 2 other checks.

Security score

53/100

Risk levelMedium

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

Qilo is a Dutch financial and business information website offering services such as bank account and credit card comparisons, business banking advice, and a knowledge base for consumers and entrepreneurs. The site targets Dutch users seeking financial product guidance and business insights. Technically, the website is built on WordPress, hosted by Closte, and uses modern web technologies including jQuery and standard SEO practices with structured data. The site is mobile-optimized and performs moderately well. Security-wise, the site enforces HTTPS and includes important security headers, but lacks visible privacy and cookie policies, as well as incident response information. Overall, the site is professional and trustworthy but could improve privacy compliance and transparency.

Scanned

NIS2 and GDPR posture

GDPR outside view
28/ 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. 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

  2. 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

  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 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
    • 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
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  • 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
15
Email security
40
DNS health
60
Network security
100
GDPR outside view
28
Average
53

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

Qilo operates in the finance sector, focusing on content and comparison services for banking and credit products in the Netherlands. Its business model revolves around providing informational content and product comparisons to attract users, likely monetized through affiliate partnerships or advertising. The company appears small but consistent with its domain registration and business claims. The site’s content is well-organized into categories such as bank accounts, credit cards, business banking, and knowledge articles, targeting both consumers and business owners. No parent or subsidiary companies are identified. The site maintains a consistent brand and provides trust signals through structured data and HTTPS.

Security posture

The website demonstrates a good security posture with HTTPS enabled and multiple security headers implemented, reducing common web vulnerabilities. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the absence of explicit privacy policies, cookie consent mechanisms, and incident response contacts indicates gaps in compliance and security transparency. There is no evidence of a vulnerability disclosure program or security.txt file. The site uses Google Analytics, which requires proper privacy disclosures to comply with GDPR. Overall, the security maturity is moderate but could be enhanced by adding formal policies and user consent mechanisms.

Recommendations

  1. Publish a comprehensive privacy policy and cookie policy with GDPR compliance details.
  2. Implement a cookie consent banner to obtain user consent for tracking.
  3. Add an incident response policy and provide dedicated security contact channels.
  4. Consider publishing a vulnerability disclosure policy or security.txt file.
  5. Enhance accessibility features to improve compliance and user experience.

Contact details published on the site

Addresses
Legal name
Qilo
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Qilo
Description
Qilo is a Dutch website providing financial and business-related information, including bank account comparisons, credit card advice, business banking, and knowledge articles.
Key services
Bank account comparison, Credit card comparison, Business banking advice, Financial knowledge articles
Content quality
good
Branding
consistent

Technology

Stack
jQuery, WordPress, PHP, CSS3, HTML5
Frameworks
WordPress
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Security headers present
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
poor

Advertising

Transparency
basic

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenges.
  2. Content is primarily financial and business advice focused on Dutch market.
  3. No explicit privacy, cookie, or terms of service policies found on homepage or main navigation.
  4. Contact information limited to postal address and search form; no emails or phone numbers explicitly listed.
  5. Uses WordPress CMS hosted on Closte with standard security headers and HTTPS.
  6. Includes Google Analytics for tracking but lacks visible cookie consent mechanism.
  7. Structured data (JSON-LD) present with organization and place info enhancing SEO.
  8. No visible security or incident response policies or contacts.
  9. No vulnerability disclosure or security.txt found.
  10. Design and navigation are professional and user-friendly.
Technical notes

Notes

The website is built on WordPress CMS, leveraging jQuery and standard web technologies. It is hosted on Closte, a known WordPress hosting provider, and uses CDN services for assets. The site includes structured data in JSON-LD format for SEO enhancement. Performance is moderate with asynchronous loading of CSS and scripts. Mobile optimization is good, and SEO meta tags are properly configured. No critical technical debt or outdated libraries were detected, but continuous monitoring of third-party scripts is recommended to avoid vulnerabilities.
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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