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Security report for proficredit.bg

ПРОФИ КРЕДИТ България ЕООД · Finance · Bulgaria

High risk. 8 critical or high findings in GDPR outside view, Security headers and 2 other checks.

Security score

48/100

Risk levelHigh

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

PROFI CREDIT Bulgaria EOOD operates as a fast credit provider offering installment loans ranging from 100 BGN to 5000 BGN with flexible repayment terms. The company targets Bulgarian individuals aged 18 to 80, providing quick loan approvals with minimal formalities. The website demonstrates a solid market position with over 17 years of experience and multiple physical offices across Bulgaria. Technically, the site is built on WordPress with modern frameworks like Bootstrap and integrates Google Analytics and Tag Manager for marketing and analytics. Security posture is good with HTTPS enforced and GDPR compliance evident through privacy and cookie policies. No critical vulnerabilities were detected, and the site maintains trust through certifications and customer testimonials. Overall, the website is professional, secure, and compliant, supporting the company's credibility in the Bulgarian financial services market.

Scanned

NIS2 and GDPR posture

GDPR outside view
40/ 100 · High
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

8 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 proficredit.bg

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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
20
Email security
65
DNS health
65
Network security
20
GDPR outside view
40
Average
48

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 is positioned as a consumer finance entity specializing in fast loans with a broad network of 54 offices nationwide. Its business model focuses on quick, flexible credit solutions with insurance options to mitigate risk. The presence of affiliate programs and partnerships indicates a strategic marketing approach. The website content and structure support customer acquisition and retention through clear calls to action and testimonials. The company maintains regulatory compliance with certifications from the Bulgarian National Bank and data protection authorities, enhancing its legitimacy and trustworthiness in the financial sector.

Security posture

The website exhibits a mature security posture with enforced HTTPS, absence of exposed sensitive data, and implementation of GDPR-compliant cookie consent mechanisms. However, some security headers like Content-Security-Policy and X-Content-Type-Options are not explicitly detected and could be improved. The use of third-party scripts necessitates ongoing vulnerability assessments. No incident response or vulnerability disclosure information is publicly available, which could be enhanced to improve transparency and readiness. Overall, the security measures align well with industry standards for financial service websites.

Recommendations

  1. Implement Content-Security-Policy and X-Content-Type-Options headers to strengthen security.
  2. Publish a vulnerability disclosure policy or security.txt file to enhance transparency.
  3. Provide explicit incident response contact information for security issues.
  4. Regularly audit third-party scripts and plugins for vulnerabilities.
  5. Enhance accessibility features to improve compliance and user experience.

Contact details published on the site

Addresses
Legal name
ПРОФИ КРЕДИТ България ЕООД
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
ПРОФИ КРЕДИТ България ЕООД
Description
ПРОФИ КРЕДИТ България ЕООД - бързи кредити на вноски. Минимални формалности и удобно кандидатстване. Бързо одобрение!
Key services
Fast loans from 100 to 5000 BGN, Flexible repayment terms, Loan insurance options, Mortgage loans
Content quality
good
Branding
consistent

Technology

Stack
WordPress 6.0.11, Bootstrap, jQuery, Yoast SEO, Google Tag Manager, Google Analytics, Criteo, SiteOrigin Panels, Contact Form 7
Frameworks
Bootstrap
Platforms
WordPress
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of GDPR cookie consent plugin

Analytics and tracking

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

Advertising

Ad networks
Criteo
Transparency
good

Site quality

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

Key observations

  1. Website is a professional financial services provider focused on fast loans in Bulgaria.
  2. Content is in Bulgarian language with localized currency and offices.
  3. Multiple customer testimonials and certifications enhance trust.
  4. Uses modern web technologies and SEO best practices.
  5. Privacy and cookie policies are present and GDPR compliant.
  6. No signs of malicious or suspicious content.
  7. No WHOIS registrant data due to GDPR privacy but domain is active and stable.
Technical notes

Notes

The website is built on a WordPress CMS platform using Bootstrap for responsive design and jQuery for interactivity. SEO is enhanced via Yoast SEO plugin with proper meta tags and structured data (JSON-LD). Performance is moderate with use of lazy loading for images and preconnect hints for fonts. Analytics and marketing tools include Google Tag Manager, Google Analytics, and Criteo retargeting. The site is mobile optimized and has a clear navigation structure. Technical risks include reliance on multiple third-party scripts and potential missing security headers. Hosting provider details are not explicitly identified from the content.
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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