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Security report for penp.nl

P&P Assurantie Adviesburo · Finance · Netherlands

High risk. 7 critical or high findings in GDPR outside view, SSL/TLS and 2 other checks.

Security score

40/100

Risk levelHigh

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

P&P Assurantie Adviesburo is a Dutch financial advisory firm specializing in personalized advice for mortgages, life risk insurance, disability insurance, and unemployment insurance. The company targets individuals, self-employed persons, and small entrepreneurs, emphasizing independent and tailored financial advice without product obligations to banks or insurers. Their market position is that of a trusted, independent advisor with a focus on comprehensive comparisons and personal service. Technically, the website is built on WordPress 6.7.2 with modern web technologies including Google Fonts, Font Awesome icons, and performance optimizations via WP Rocket. The site is mobile-optimized and provides a good user experience with clear navigation and relevant content. However, no advanced analytics or tracking tools were detected, indicating a privacy-conscious approach or limited marketing automation. From a security perspective, the site uses HTTPS and does not expose sensitive data in the HTML. However, it lacks explicit security headers and published security policies or incident response contacts. There is no cookie consent mechanism detected, which may pose compliance risks under EU regulations. The overall security posture is moderate but could be improved with additional best practices. Overall, the website is professional, trustworthy, and well-aligned with its business objectives. The domain registration details are consistent with the business claims, supporting legitimacy. Strategic improvements in security policies, cookie compliance, and security headers would enhance the site's trust and compliance standing.

Scanned

NIS2 and GDPR posture

GDPR outside view
3/ 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

7 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

    • Critical

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

    • 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. 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.

    • Critical

      No HTTPS Encryption

      Website does not use HTTPS encryption, making all data transmission vulnerable to interception

      What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS

  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 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 penp.nl

This scan found 20 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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Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
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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
0
Security headers
75
Email security
75
DNS health
65
Network security
20
GDPR outside view
3
Average
40

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

P&P Assurantie Adviesburo operates in the Dutch financial advisory sector, focusing on mortgages and insurance products for individuals and small business owners. Their competitive advantage lies in independent, personalized advice without product sales obligations, appealing to clients seeking unbiased financial guidance. The business model centers on advisory services rather than product sales, likely generating revenue through consultation fees or commissions. The target market includes private individuals, freelancers, and startups, indicating a niche but stable customer base. The company maintains a modest digital footprint with social media presence on Twitter and LinkedIn and a professionally designed website. Partnerships appear limited to their web development provider. Growth indicators are not explicit, but the comprehensive service offering and clear contact channels suggest a client-focused approach.

Security posture

The website demonstrates a moderate security maturity level. HTTPS is implemented, ensuring encrypted communications. No sensitive data is exposed in the HTML source. However, the absence of security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security reduces defense-in-depth. No published security or incident response policies limit transparency and preparedness for security incidents. The lack of a cookie consent mechanism may result in non-compliance with GDPR cookie regulations. No vulnerability disclosure or security.txt files were found, which could hinder responsible vulnerability reporting. Overall, while no critical vulnerabilities are evident, the security posture would benefit from enhanced headers, documented policies, and compliance mechanisms to reduce risk and improve trust.

Recommendations

  1. Implement comprehensive security headers including Content-Security-Policy, X-Frame-Options, X-Content-Type-Options, and Strict-Transport-Security.
  2. Add a cookie consent banner and cookie policy to comply with EU cookie laws and GDPR requirements.
  3. Publish a clear security policy and incident response contact information to improve transparency and preparedness.
  4. Consider adding a vulnerability disclosure policy or security.txt file to facilitate responsible security reporting.
  5. Regularly audit and update WordPress core, themes, and plugins to mitigate vulnerabilities and maintain security.

Contact details published on the site

Addresses
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
P&P Assurantie Adviesburo
Description
P&P Assurantie Adviesburo provides personal advice to individuals and self-employed persons (ZZP-ers) on mortgages, risk life insurance, disability insurance, and unemployment insurance. They emphasize independent advice without product obligations to banks or insurers.
Key services
Hypotheken, Overlijdensrisicoverzekering, Arbeidsongeschiktheid, Werkloosheid
Content quality
good
Branding
consistent

Technology

Stack
WordPress 6.7.2, Google Fonts (Quicksand), Font Awesome icons, Tiny Slider (tns slider), PHP (implied by WordPress), CSS3, HTML5
Frameworks
WordPress
Platforms
WordPress CMS
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
70/100
Good practices seen
  • No exposed sensitive data in HTML
  • Use of HTTPS (implied by canonical URL https://penp.nl/)

Analytics and tracking

Tracking level
minimal
Privacy practices
basic

Advertising

Transparency
poor

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenges.
  2. Content is in Dutch and targeted at Dutch individuals and small businesses.
  3. No explicit cookie consent mechanism found, which may be a compliance gap.
  4. Contact information is clearly presented in multiple locations.
  5. No explicit security or incident response policies published.
  6. Website uses modern WordPress CMS with performance optimizations.
  7. Social media presence limited to Twitter and LinkedIn.
  8. No analytics or tracking scripts detected in the provided HTML.
Technical notes

Notes

The website is built on a modern WordPress CMS platform version 6.7.2, leveraging Google Fonts and Font Awesome for typography and icons. Performance optimizations are implemented using WP Rocket, including lazy loading of images and scripts. The site uses a responsive design with mobile optimization and accessibility considerations, though accessibility is basic. SEO is supported with proper meta tags and structured navigation. No advanced analytics or tracking scripts were detected, indicating minimal data collection. The technical stack is stable and well-maintained but could benefit from enhanced security configurations and more robust accessibility features to improve overall quality and compliance.
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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