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Security report for pginkasso.ee

PG Inkasso OÜ · Finance · Estonia

Medium risk. 9 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

53/100

Risk levelMedium

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

PG Inkasso OÜ is an Estonian private company specializing in debt collection and legal consulting services. The company positions itself as one of the largest players in Estonia's debt recovery market, offering both extrajudicial and judicial debt collection, legal advice, and client consultation. Their business model focuses on providing convenient and professional debt recovery services supported by qualified specialists and auditor-controlled financial processes. The website content is professionally presented and targets Estonian businesses and debtors needing collection services. Technically, the website uses a modern tech stack including Bootstrap, jQuery, and Google Analytics, hosted behind Cloudflare DNS and nameservers. The site is mobile optimized and has good SEO practices but lacks advanced accessibility features. The domain is very new (registered in 2024) which contrasts with the company's claimed founding year (2010), suggesting a recent domain acquisition or rebranding. From a security perspective, the site uses HTTPS and does not expose sensitive data or vulnerable libraries. However, it lacks DNSSEC, security headers, and any visible privacy or cookie policies, which are important for GDPR compliance and user trust. No incident response or vulnerability disclosure information is provided. Tracking is implemented via Google Analytics and Tag Manager without a visible consent mechanism. Overall, the website is functional and professional but could improve significantly in privacy compliance, security best practices, and transparency. The domain registration is consistent with the business location but the new domain age is a point to consider. Strategic improvements in security policies, contact information visibility, and compliance documentation are recommended.

Scanned

NIS2 and GDPR posture

GDPR outside view
10/ 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

9 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

  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 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';…

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Keep watching pginkasso.ee

This scan found 28 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
65
Security headers
15
Email security
60
DNS health
65
Network security
100
GDPR outside view
10
Average
53

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

PG Inkasso OÜ operates in the finance sector, specifically in debt collection and legal services. It targets Estonian companies and individuals facing debt issues. The company leverages partnerships with multiple financial service providers across Estonia and Lithuania, indicating a broad ecosystem. Their competitive advantage lies in qualified personnel, auditor-controlled financial flows, and a growing market presence. The business model is service-based, generating revenue from debt recovery and legal consulting. The website content and partner network suggest a stable growth trajectory and a focus on trust-building with clients. However, the recent domain registration may indicate a rebranding or digital refresh phase.

Security posture

The website demonstrates a moderate security posture with HTTPS enabled and no visible sensitive data exposure. However, the absence of DNSSEC, security headers, and privacy/cookie policies indicates gaps in security best practices and regulatory compliance. No incident response or vulnerability disclosure mechanisms are present, which limits the organization's readiness to handle security incidents. The use of third-party analytics without consent mechanisms further impacts privacy compliance. Overall, the security maturity is moderate but requires enhancements to meet GDPR and industry standards fully.

Recommendations

  1. Enable DNSSEC on the domain to enhance DNS security and prevent spoofing.
  2. Implement standard security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to mitigate common web attacks.
  3. Publish comprehensive privacy and cookie policies and implement a cookie consent mechanism to comply with GDPR.
  4. Add clear contact information including company emails and phone numbers to improve transparency and user trust.
  5. Establish and publish an incident response policy and vulnerability disclosure program to enhance security posture and stakeholder confidence.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
PG Inkasso OÜ
Description
PG Inkasso OÜ on pikaaegse töökogemusega Eesti erakapitalil põhinev ettevõte. Pakub võlgnevuste sissenõudmise teenuseid, juriidilist abi ja konsultatsiooni. Töötajad on kvalifitseeritud võlamenetlejad ja juristid. Klientide kasuks sisse nõutud summad laekuvad kindlale arvelduskontole, mida kontrollib audiitor.
Key services
Inkassoteenused, Juriidiline abi, Võlgnevuste sissenõudmine kohtuväliselt ja kohtulikult, Konsulteerimine
Content quality
good
Branding
consistent

Technology

Stack
Bootstrap, jQuery, Google Analytics, Google Tag Manager, Google Platform.js
Frameworks
Bootstrap
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enabled
  • No exposed sensitive data in HTML
  • No visible vulnerable libraries

Analytics and tracking

Services
Google Analytics, Google Tag Manager
Tracking level
moderate
Privacy practices
poor

Advertising

Transparency
basic

Site quality

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

Key observations

  1. No privacy, cookie, or terms of service policies found on the website
  2. No contact emails or phone numbers explicitly provided on the main page
  3. Website uses HTTPS with Cloudflare DNS and nameservers but DNSSEC is not enabled
  4. Website content is professional and relevant to debt collection and legal consulting services
  5. Multiple partner domains linked, indicating a network of related financial service providers
  6. No visible forms collecting user data on the main page
  7. Google Analytics and Tag Manager used for tracking without visible cookie consent mechanism
  8. No social media links found on the website
  9. No security headers detected in provided data
  10. No structured data (JSON-LD or Open Graph) found in HTML
Technical notes

Notes

The website is built using Bootstrap and jQuery, ensuring responsive design and compatibility across devices. Google Analytics and Tag Manager are used for user tracking and marketing insights. Hosting is managed via Cloudflare DNS and nameservers, providing reliable DNS resolution and potential DDoS protection. The site loads moderately fast and includes proper meta tags for SEO. However, no CMS or advanced platform is detected, suggesting a custom or static site. Accessibility features are basic, and no structured data markup is present, which could be improved for better search engine understanding and richer results.
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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