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Security report for paskolos.lt

Paskolos.lt · Finance · Lithuania

Medium risk. 2 critical or high findings in Security headers and SSL/TLS.

Security score

71/100

Risk levelMedium

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

Paskolos.lt is a Lithuanian financial services company specializing in consumer credit products including credit lines, consumer loans, credit cards, auto loans, and mortgage loans. Established in 2011, it operates as a medium-sized entity under the parent company UAB Nordecum. The website is professionally designed, providing clear navigation and comprehensive information tailored to Lithuanian consumers seeking flexible credit solutions. The company leverages online platforms to deliver convenient financial services with a focus on user experience and accessibility. Technically, the website employs modern JavaScript libraries, Google Tag Manager, and analytics tools, ensuring a responsive and moderately performant user experience. The presence of a chat component using Vue.js enhances customer interaction. SEO and accessibility are adequately addressed, though some improvements in accessibility could be made. From a security perspective, the site enforces HTTPS and employs cookie consent mechanisms aligned with GDPR requirements. While basic security headers are present, additional headers like Content-Security-Policy could enhance protection. No critical vulnerabilities or exposed sensitive data were detected. The WHOIS data confirms domain legitimacy and consistency with the business profile. Overall, Paskolos.lt presents a trustworthy and compliant online presence with solid business credibility and a good security posture. Strategic enhancements in security headers and incident response transparency could further strengthen its position.

Scanned

NIS2 and GDPR posture

GDPR outside view
83/ 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

2 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 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. 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 paskolos.lt

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.

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  • 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
67
Security headers
50
Email security
60
DNS health
65
Network security
100
GDPR outside view
83
Average
71

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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention paskolos.lt, from OffSeq Breach.

Total records
635
Employees
0
Customers
635
Third parties
0
Weak passwords
27%

3 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for paskolos.lt.

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Breach keeps ingesting new leaks, so these numbers can grow between scans.

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Paskolos.lt holds a stable market position in Lithuania's consumer finance sector, offering a diversified portfolio of credit products. Its business model focuses on online lending with a user-friendly application process and flexible credit options such as credit lines with interest only on used amounts. The company targets individual consumers needing quick and reliable credit solutions. Partnerships with regional credit and debt collection services expand its ecosystem, enhancing service offerings and risk management. The company benefits from a decade-long domain presence, indicating operational maturity and market trust. Revenue streams likely include interest, fees, and credit card commissions. The presence of cashback and promotional offers suggests active marketing and customer retention strategies.

Security posture

The website demonstrates a mature security posture with enforced HTTPS and cookie consent aligned with GDPR. The absence of exposed credentials or vulnerable libraries is positive. However, the lack of advanced security headers such as Content-Security-Policy and X-Frame-Options indicates room for improvement. No explicit security policy or incident response contacts were found, which could be a compliance gap. The use of third-party scripts like Google Tag Manager and analytics is managed with consent but requires ongoing monitoring for vulnerabilities. Overall, the security measures are adequate for the business type but could be enhanced to meet higher standards and regulatory expectations.

Recommendations

  1. Implement comprehensive security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to mitigate common web attacks.
  2. Publish a dedicated security policy and provide clear incident response contact channels to improve transparency and compliance.
  3. Conduct regular security audits of third-party scripts and dependencies to prevent supply chain vulnerabilities.
  4. Enhance accessibility features to improve usability for all users and comply with accessibility standards.
  5. Maintain and update privacy and cookie policies regularly to reflect evolving regulations and best practices.

Contact details published on the site

Addresses
Legal name
UAB Nordecum
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Paskolos.lt
Description
Paskolos.lt pasirūpins jūsų finansiniais poreikiais užtikrinant sklandų ir greitą klientų aptarnavimą. Esame patikima kredito įstaiga teikianti vartojimo paskolas bei kredito korteles. Naudotis mūsų paslaugomis yra itin patogu, kadangi viską galite atlikti internetu.
Key services
Credit line, Consumer loans, Credit cards, Auto loans, Mortgage loans
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, jQuery, noUiSlider, Google Tag Manager, Google Analytics, Vue.js (chat component)
Frameworks
Custom JS frameworks, No major public frameworks detected
Platforms
Web
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
  • Secure forms with input validation implied

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google Ads
Transparency
good

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
  2. Clear business focus on consumer credit products in Lithuania
  3. Good privacy and cookie compliance with user consent mechanisms
  4. Use of modern web technologies and analytics
  5. No visible security or compliance red flags
  6. Contact information is comprehensive and consistent
  7. Multiple partner domains indicate a broad service ecosystem
Technical notes

Notes

The website uses a custom technology stack with JavaScript, jQuery, noUiSlider for UI components, and Vue.js for chat functionality. Google Tag Manager and Google Analytics are integrated for marketing and analytics purposes. The site is mobile-optimized with responsive design and preloaded fonts for performance. Hosting details are not explicit, but the site uses HTTPS with good SSL configuration. Performance is moderate with room for optimization. The absence of a known CMS suggests a custom-built platform, which may require dedicated maintenance resources. The technical implementation supports the business model effectively but could benefit from modernization and enhanced security practices.
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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