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Security report for pkoleasing.pl

PKO Leasing · Finance · Poland

Medium risk. 7 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

70/100

Risk levelMedium

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

PKO Leasing is a leading financial services provider in Poland specializing in leasing and financing of vehicles, machinery, and equipment. The company operates as part of the PKO Bank Polski group, offering a broad portfolio of leasing, loan, and insurance products tailored to businesses and individuals. The website reflects a professional and consistent brand image, providing detailed product information and easy navigation for users. Technically, the site is built on modern frameworks such as Next.js and React, with good mobile optimization and accessibility features. Security posture is solid with HTTPS and no visible vulnerabilities, though explicit security policies and privacy compliance documentation are lacking. Overall, the site demonstrates a mature digital presence aligned with a large financial institution.

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

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

    • 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

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  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

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

Keep watching pkoleasing.pl

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

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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
77
Security headers
75
Email security
75
DNS health
80
Network security
100
GDPR outside view
10
Average
70

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 company holds a strong market position as a leader in vehicle and machinery financing in Poland. Its business model focuses on providing leasing and loan products, supported by insurance and public program financing. The target audience includes businesses requiring transport and machinery financing, as well as individual clients. The website ecosystem includes partner domains like automarket.pl and auction services, indicating a broad partnership network. The absence of explicit privacy and cookie policies suggests an area for compliance improvement. The brand's association with PKO Bank Polski enhances credibility and trust.

Security posture

The website employs HTTPS and uses Google Tag Manager for analytics, indicating basic security and tracking practices. However, there is no evidence of advanced security headers or published security policies. No vulnerability disclosures or incident response contacts are provided, which could be improved to enhance transparency and readiness. No exposed sensitive data or vulnerable libraries were detected in the analyzed content. The security score is good but could be elevated with additional security best practices and compliance documentation.

Recommendations

  1. Publish comprehensive privacy and cookie policies with clear GDPR compliance statements.
  2. Implement and disclose a security policy and incident response procedures including contact channels.
  3. Add security headers such as Content Security Policy (CSP), HSTS, and X-Frame-Options to enhance protection.
  4. Provide a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  5. Enhance transparency by publishing Data Protection Officer contact information and data retention policies.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
PKO Leasing
Description
Lider finansowania pojazdów i maszyn
Key services
Leasing of cars, motorcycles, heavy transport, agricultural and industrial machinery, Loans for machines, vehicles, and equipment, Insurance products including GAP, vehicle, and property insurance, Public programs financing (InvestEU), Online leasing services
Content quality
good
Branding
consistent

Technology

Stack
React, Next.js, Google Tag Manager
Frameworks
Next.js
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of Google Tag Manager for analytics
  • No visible exposed sensitive data

Analytics and tracking

Services
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
high

Key observations

  1. Website is professionally designed and well-structured.
  2. Content is focused on leasing and financial products with detailed product descriptions.
  3. No privacy or cookie policies explicitly found on the main page content.
  4. No visible contact emails or phone numbers in the provided HTML snippet.
  5. Use of modern web technologies and frameworks.
  6. No security.txt or vulnerability disclosure information found.
  7. No explicit security or incident response policies published.
  8. Strong brand association with PKO Bank Polski enhances trust.
Technical notes

Notes

The website is built using modern web technologies including React and Next.js, ensuring good performance and mobile responsiveness. Google Tag Manager is used for analytics and marketing tracking. The site structure is clear with semantic HTML and accessibility considerations. However, no CMS was detected, suggesting a custom or proprietary platform. Performance is moderate with room for optimization. The absence of some security headers and privacy compliance features indicates technical debt in security and compliance areas. Overall, the technical infrastructure supports a professional financial services website but could benefit from enhanced security and privacy implementations.
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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