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Security report for oca.lu

OCA Luxembourg · Finance · Luxembourg

High risk. 11 critical or high findings in GDPR outside view, Network security and 2 other checks.

Security score

41/100

Risk levelHigh

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

OCA Luxembourg is a professional insurance brokerage firm operating in the Grand Duchy of Luxembourg, providing tailored insurance solutions for both professionals and individuals. The company offers a range of services including professional insurance, personal insurance, and specialty insurance products such as Lifestyle & Fine Art, construction guarantees, and coverage for European officials and sports professionals. The website reflects a well-structured and professional digital presence with clear navigation and relevant content targeting Luxembourg-based clients. Technically, the website employs modern web technologies including Bootstrap, jQuery, and specialized plugins like Revolution Slider and tarteaucitron for cookie consent management. The site is mobile-optimized and demonstrates good SEO practices, although some improvements in accessibility and security headers could enhance its technical maturity. From a security perspective, the site uses HTTPS and implements cookie consent mechanisms, indicating awareness of privacy regulations such as GDPR. However, the absence of visible security headers and incident response information suggests room for improvement in security posture. The lack of WHOIS data limits the ability to fully verify domain legitimacy, but the professional content and business registration number lend credibility. Overall, the website presents a trustworthy and professional image suitable for its business domain, with moderate technical and security maturity. Strategic enhancements in security headers, incident response transparency, and WHOIS data availability would strengthen trust and compliance.

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

11 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. Network security

    Services reachable from the internet are the first thing attackers probe. Anything open that does not need to be should be closed.

    • Critical

      Critical Service Exposed: MySQL

      Port 3306 (MySQL) is publicly accessible - MySQL - Database server

      What to do: Immediately restrict access to MySQL using firewall or VPN

      • NIS2 21(2)(e)
      • IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
      • NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
      • NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection

  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';…

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

Keep watching oca.lu

This scan found 29 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.

Daily monitoring

Recommended

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

Email alerts on material changes and an exportable JSON history of every change.

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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
52
Security headers
20
Email security
70
DNS health
75
Network security
0
GDPR outside view
28
Average
41

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 · found on this site
  • 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

OCA Luxembourg positions itself as a specialized insurance broker in Luxembourg, focusing on personalized insurance solutions for both corporate and individual clients. Its competitive advantage lies in its tailored offerings and partnerships with insurance providers, including niche markets like fine art and European officials. The business model centers on brokerage services, generating revenue through commissions and advisory fees. The target customer segments include professionals, expatriates, and individuals seeking customized insurance coverage. The company demonstrates growth potential through diversified specialty insurance products and a clear digital presence. Partnerships with entities like Ealys for website development indicate a collaborative ecosystem supporting its operations.

Security posture

The website exhibits a baseline security posture with HTTPS enforced and a cookie consent mechanism compliant with GDPR. However, the absence of key security headers such as Content Security Policy (CSP), HTTP Strict Transport Security (HSTS), and X-Frame-Options reduces protection against common web vulnerabilities. No visible incident response or security policy information is provided, limiting transparency and preparedness. The WHOIS data is unavailable, which is a concern for domain trustworthiness. No vulnerabilities or exposed sensitive data were detected in the HTML content. Overall, the security maturity is moderate but would benefit from enhanced header implementation, documented security policies, and improved domain registration transparency.

Recommendations

  1. Implement comprehensive security headers including CSP, HSTS, X-Frame-Options, and X-XSS-Protection to mitigate common web attacks.
  2. Publish a dedicated security policy and incident response contact information to improve transparency and readiness.
  3. Regularly audit and update third-party scripts and plugins to prevent vulnerabilities.
  4. Ensure WHOIS data is complete and publicly available to enhance domain legitimacy and trust.
  5. Enhance accessibility features to improve compliance and user experience for all visitors.

Contact details published on the site

Registration number
2013CM007
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
OCA Luxembourg
Description
OCA Luxembourg is an insurance broker in the Grand Duchy of Luxembourg offering tailored insurance solutions for professionals and individuals.
Key services
Professional insurance solutions, Individual insurance solutions
Content quality
good
Branding
consistent

Technology

Stack
HTML5, CSS3, JavaScript, jQuery, Bootstrap, Revolution Slider, Tarteaucitron (cookie consent)
Frameworks
Bootstrap
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism implemented

Analytics and tracking

Services
Google Analytics (commented out)
Tracking level
minimal
Privacy practices
good

Advertising

Transparency
basic

Site quality

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

Key observations

  1. Website content is fully accessible and professional
  2. No WAF or security blocking detected
  3. WHOIS data unavailable, limiting domain trust verification
  4. Cookie consent implemented with tarteaucitron
  5. Contact information clearly provided with company domain emails and phone numbers
  6. No explicit or adult content detected
  7. Google Analytics script present but commented out
  8. No visible security headers detected in HTML content
  9. No visible forms on homepage; contact form likely on /contact page
Technical notes

Notes

The website is built using a modern front-end stack including HTML5, CSS3, Bootstrap framework, and JavaScript libraries such as jQuery and Revolution Slider. It uses tarteaucitron for cookie consent management, indicating compliance with privacy regulations. The site is mobile responsive and optimized for SEO with proper meta tags and structured navigation. Performance is moderate, with video backgrounds and slider components that may impact load times. No CMS or hosting provider information is directly detectable from the HTML content. The technical implementation is solid but could be improved by adding accessibility enhancements and optimizing performance further.
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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