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Security report for obvion.nl

Obvion N.V. · Finance · Netherlands

Medium risk. 6 critical or high findings in GDPR outside view and Security headers.

Security score

65/100

Risk levelMedium

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

Obvion N.V. is a well-established Dutch mortgage provider offering a range of mortgage products and advisory services primarily targeting Dutch consumers seeking home financing solutions. The website presents comprehensive content including mortgage advice, calculation tools, sustainability financing options, and a network of independent advisors. The company maintains a strong market position in the Netherlands with a mature domain and consistent branding. Technically, the website uses a professional CMS (GX WebManager) and modern JavaScript libraries, but suffers from slow load times and lacks a valid SSL certificate, which significantly impacts security posture. Privacy compliance is well addressed with clear privacy and cookie policies and a consent mechanism. However, no explicit security or incident response policies are found on the site. Overall, the site is professional and trustworthy but requires urgent improvements in SSL/TLS configuration and performance optimization to enhance security and user experience.

Scanned

NIS2 and GDPR posture

GDPR outside view
15/ 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 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
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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
50
Security headers
50
Email security
97
DNS health
75
Network security
100
GDPR outside view
15
Average
65

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

Obvion operates in the finance sector focusing on mortgage lending and advisory services. The business model revolves around providing tailored mortgage products and independent advice to consumers, including specialized offerings for starters and sustainable housing. The company leverages partnerships with independent advisors and maintains a digital presence with tools for mortgage calculation and application. The domain age and WHOIS data confirm a long-standing presence, supporting credibility. Marketing efforts include active social media channels and use of Google Analytics for user insights. The company does not publicly disclose certifications or detailed security policies, which could be areas for future transparency improvements.

Security posture

The current security posture is weak due to the absence of a valid SSL certificate and lack of HTTPS enforcement, exposing users to potential data interception risks. While SPF and DMARC records are properly configured, enhancing email security, the website lacks critical security headers and modern TLS protocols. No incident response or vulnerability disclosure information is available, indicating limited transparency in security management. The cookie consent mechanism and privacy policy demonstrate compliance with GDPR requirements, but technical security improvements are urgently needed to protect user data and maintain trust.

Recommendations

  1. Install and maintain a valid SSL/TLS certificate to enable HTTPS and protect user data.
  2. Enable modern TLS protocols (TLS 1.2 or 1.3) and disable insecure legacy protocols.
  3. Implement HTTP Strict Transport Security (HSTS) with preload to enforce secure connections.
  4. Correct and properly configure CAA DNS records to restrict certificate authorities.
  5. Add essential security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  6. Optimize website performance to reduce load times and improve user experience.
  7. Publish explicit security and incident response policies to increase transparency and trust.
  8. Consider implementing a security.txt file for vulnerability disclosure and contact information.
Technical notes

Notes

The website is built on GX WebManager CMS and uses jQuery 3.7.1 along with various plugins for UI and form handling. Google Tag Manager and OneTrust are used for analytics and cookie consent management respectively. Hosting is on Microsoft Azure with DNS managed by Akamai. Despite a modern tech stack, the site suffers from slow loading (over 15 seconds) and a large page size (~825 KB). Accessibility and mobile optimization are good, and SEO meta tags and structured data are properly implemented. However, the lack of SSL/TLS and security headers represents a significant technical risk. The DNS SPF and DMARC configurations are strong, supporting email security. Overall, the technical infrastructure is solid but requires urgent security and performance enhancements.
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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