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Security report for ofin.cz

CentroFinance, s.r.o. · Finance · Czech Republic

Medium risk. 8 critical or high findings in GDPR outside view, Security headers and 2 other checks.

Security score

51/100

Risk levelMedium

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

CentroFinance, s.r.o. operates the website ofin.cz, providing non-bank loan services primarily targeting individuals in the Czech Republic. The platform offers quick online loan applications, contract signing in a client zone, and fast disbursement of loans ranging from 1,000 to 30,000 CZK. The company holds a license from the Czech National Bank and is a member of the Asociace poskytovatelů nebankovních úvěrů, indicating regulatory compliance and industry recognition. The website is professionally designed with good content quality and clear navigation, supporting a positive user experience.

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

8 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 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 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 ofin.cz

This scan found 25 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

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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
50
Email security
55
DNS health
65
Network security
40
GDPR outside view
25
Average
51

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 business model focuses on short-term consumer lending with flexible repayment options and no collateral or guarantor requirements. The target market includes Czech residents needing fast financial support. The company leverages online technologies to streamline loan processing and client interactions. While the website lacks explicit privacy and terms of service pages, it demonstrates transparency through licensing disclosures and representative loan examples. The absence of WHOIS data is a notable gap in transparency but does not negate the business's apparent legitimacy based on website content and regulatory claims.

Security posture

The website enforces HTTPS and implements cookie consent via Cookiebot, reflecting basic privacy compliance. However, no security headers were detected in the provided data, and no explicit security or incident response policies are published. The use of modern JavaScript libraries and tracking tools like Microsoft Clarity and Google Tag Manager indicates moderate tracking and analytics capabilities. There is no evidence of vulnerabilities or exposed sensitive data in the HTML content. Overall, the security posture is adequate but could be improved by adding security headers, publishing security policies, and enhancing privacy documentation.

Recommendations

  1. Implement and verify HTTP security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
  2. Publish a comprehensive privacy policy and terms of service pages accessible from the main navigation or footer.
  3. Add a security policy and incident response contact information to improve transparency and trust.
  4. Consider publishing a vulnerability disclosure policy or security.txt file to facilitate responsible reporting.
  5. Enhance accessibility compliance and SEO optimization to improve user experience and discoverability.

Contact details published on the site

Addresses
Legal name
CentroFinance, s.r.o.
Registration number
IČO: 03057151
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
CentroFinance, s.r.o.
Description
OFin.cz offers non-bank loans with quick approval and flexible repayment terms. The service targets individuals seeking loans from 1,000 to 30,000 CZK with online application, contract signing, and fast disbursement.
Key services
Non-bank loans, Online loan application, Client zone for contract signing, Fast loan disbursement
Content quality
good
Branding
consistent

Technology

Stack
Bootstrap 5, noUiSlider, jQuery, Google Tag Manager, Microsoft Clarity, Cookiebot
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced
  • Cookie consent implemented
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Microsoft Clarity, Google Analytics (via GTM)
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
Microsoft Clarity
Marketing tools
Cookiebot
Transparency
basic

Site quality

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

Key observations

  1. Website is fully accessible with rich content and interactive loan calculator.
  2. No WHOIS data available, which is unusual and reduces transparency.
  3. Website uses modern frontend technologies and tracking tools.
  4. Clear business information and licensing claims present.
  5. No explicit privacy or terms of service pages found.
  6. Cookie consent implemented via Cookiebot.
  7. No direct contact emails or phone numbers found in HTML content.
  8. Security headers not visible in provided data; recommend audit.
  9. No signs of adult or questionable content.
Technical notes

Notes

The website uses a modern frontend stack including Bootstrap 5, noUiSlider for interactive sliders, jQuery, and integrates analytics and consent management tools such as Microsoft Clarity, Google Tag Manager, and Cookiebot. The site is mobile responsive with good design quality and moderate performance. No CMS or hosting provider information was detected. The absence of WHOIS data and security headers suggests areas for technical improvement. Overall, the technical infrastructure supports the business needs but would benefit from enhanced security and privacy features.
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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