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Security report for openfactor.cz

Open Factor s.r.o. · Finance · Czech Republic

Low risk. 5 critical or high findings in Security headers, Email security and 1 other check.

Security score

76/100

Risk levelLow

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

Open Factor s.r.o. operates an online platform providing business loans and invoice factoring services primarily targeting small and medium-sized enterprises in the Czech Republic. Their services emphasize quick online processing, transparent fees, and ease of access, positioning them as a niche financial services provider in the local market. The website is professionally designed with clear navigation and relevant content tailored to their target audience. Technically, the website employs modern JavaScript libraries such as jQuery, noUiSlider, and SimpleBar, alongside Google Tag Manager and Cookiebot for analytics and cookie consent management. The site is mobile-optimized and uses HTTPS, ensuring secure data transmission. However, some security best practices like implementing security headers could be improved. From a security perspective, the site demonstrates good privacy compliance with a comprehensive privacy policy and cookie consent mechanism. No critical vulnerabilities or exposed sensitive data were detected. The absence of WHOIS data for the domain is a notable concern, impacting trust and legitimacy assessments. Overall, the website presents a trustworthy and professional front for its financial services, but domain registration transparency and enhanced security headers would strengthen its security posture and credibility.

Scanned

NIS2 and GDPR posture

GDPR outside view
100/ 100 · Low
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

5 findings rated critical or high. Fix these first.

  1. 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';…

  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.

    • High

      No DMARC record found

      DMARC provides email authentication and reporting

      What to do: Add DMARC record: "v=DMARC1; p=none; rua=mailto:dmarc@yourdomain.com"

  3. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

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

Keep watching openfactor.cz

This scan found 16 issues across 5 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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Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • Lifetime access to this report

Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

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
20
Email security
80
DNS health
85
Network security
100
GDPR outside view
100
Average
76

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

Open Factor targets the SME finance sector in the Czech Republic, offering short-term business loans up to 30,000 Kč and invoice factoring services up to 100,000 Kč. Their business model relies on fast online loan approvals and transparent fee structures, appealing to entrepreneurs needing quick liquidity solutions. The company maintains clear contact channels and legal disclosures, supporting customer trust. Their marketing ecosystem includes Google advertising and analytics tools, indicating active digital marketing efforts. The lack of WHOIS data suggests a need for further due diligence on domain legitimacy, but the operational business appears established and focused on local SME finance needs.

Security posture

The website enforces HTTPS and uses a cookie consent mechanism compliant with GDPR, reflecting a mature approach to privacy and security. However, the absence of visible security headers such as Content-Security-Policy or X-Frame-Options is a gap that could expose the site to certain web-based attacks. No incident response or security policy pages were found, which limits transparency on how security incidents are handled. The site does not expose sensitive data in the HTML and uses reputable third-party services for analytics and cookie management. Overall, the security posture is good but could be improved with additional headers and published security policies.

Recommendations

  1. Implement security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to enhance protection against common web attacks.
  2. Publish explicit security and incident response policies to increase transparency and user trust.
  3. Regularly audit and update third-party scripts and libraries to mitigate vulnerabilities.
  4. Enhance accessibility features to comply with standards and improve user experience for all users.
  5. Consider adding a security.txt file to facilitate responsible vulnerability disclosure.

Contact details published on the site

Addresses
Legal name
Open Factor s.r.o.
Registration number
07520310
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Open Factor s.r.o.
Description
OpenFactor offers business loans and invoice factoring services with quick online processing and transparent fees.
Key services
Podnikatelská půjčka (Business loans), Faktoring (Invoice factoring), Online loan application and approval
Content quality
good
Branding
consistent

Technology

Stack
jQuery, noUiSlider, SimpleBar, Google Tag Manager, Cookiebot
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with granular controls
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics, Google Ads
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google DoubleClick, Google AdSense
Tracking pixels
Google Ads
Marketing tools
Cookiebot
Transparency
good

Site quality

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

Key observations

  1. Website provides clear business loan and factoring services targeting Czech SMEs.
  2. Comprehensive cookie consent and privacy policy in Czech language.
  3. Contact information is clearly presented with physical address, phone, and email.
  4. Use of modern JavaScript libraries and cookie management tools.
  5. No WHOIS data available, which is a concern for domain legitimacy verification.
  6. No visible security headers detected in provided data; SSL is enabled.
  7. No terms of service page explicitly found.
  8. No explicit security or incident response policies published.
  9. No suspicious or malicious content detected.
Technical notes

Notes

The website uses a combination of jQuery, noUiSlider, and SimpleBar for UI components, supported by Google Tag Manager and Cookiebot for analytics and consent management. The site loads external CSS and JS from reputable CDNs, which aids performance and reliability. The HTML structure is valid and includes meta tags for SEO and social sharing (Open Graph and JSON-LD structured data). Mobile optimization is good, and the site appears to have moderate performance. No CMS or hosting provider information was detected. The technical stack is modern but could benefit from additional security hardening and performance optimizations.
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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