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Security report for proficredit.mk

ПРОФИ КРЕДИТ НМК · Finance · North Macedonia

Medium risk. 7 critical or high findings in Security headers, GDPR outside view and 2 other checks.

Security score

55/100

Risk levelMedium

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

Proficredit.mk is a North Macedonia-based financial services company specializing in fast consumer loans ranging from 3,000 to 120,000 Macedonian denars. The company offers flexible loan terms, minimal documentation requirements, and online application and signing options. The website positions Proficredit as a trustworthy and customer-focused lender with multiple physical offices and a strong local presence. The business targets individuals seeking quick credit solutions with a straightforward application process and rapid approval. The site includes customer testimonials and regulatory registrations, enhancing credibility. Technically, the website is built on WordPress 6.0.11 using Bootstrap and jQuery frameworks, with SEO optimization via Yoast and GDPR compliance through a dedicated cookie consent plugin. Hosting is provided by MKHOST-REG, a local Macedonian hosting provider. The site demonstrates moderate performance and good mobile optimization, though accessibility features are basic. Analytics and marketing tools include Google Analytics, Google Tag Manager, and Facebook Ads retargeting. From a security perspective, the site enforces HTTPS and implements GDPR cookie consent mechanisms. However, explicit HTTP security headers are not detected, and no dedicated security or incident response policies are published. The site does not expose sensitive data and uses secure forms for data collection. The domain registration data aligns well with the business claims, indicating legitimacy and consistency. Overall, proficredit.mk presents a professional and trustworthy online presence for a mid-sized financial services provider in North Macedonia. The site is content-rich, user-friendly, and compliant with privacy regulations, though security posture could be enhanced by adding security headers and incident response information.

Scanned

NIS2 and GDPR posture

GDPR outside view
65/ 100 · Medium
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. 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';…

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • 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

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, Google APIs

      What to do: Document all third-party data sharing in your privacy policy

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

Keep watching proficredit.mk

This scan found 21 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

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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
77
Security headers
20
Email security
70
DNS health
75
Network security
20
GDPR outside view
65
Average
55

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

Proficredit.mk operates in the consumer finance sector, offering fast installment loans with flexible terms and minimal documentation. The company leverages both online and physical office channels to reach customers, targeting individuals aged 18 to 75 with verifiable income or pension. Their competitive advantages include rapid loan approval, online signing, and a loyalty program extending repayment terms. The business model is direct lending with a focus on speed and convenience. Revenue streams are primarily from interest and fees on loans. The company maintains regulatory compliance and data protection officer designation, signaling operational maturity. Partnerships with government registries and transparent policies support trust. Growth indicators include active social media presence and customer testimonials. The company’s ecosystem includes local hosting and standard marketing tools, with no evident affiliations to larger financial groups.

Security posture

The website demonstrates a moderate security maturity level with HTTPS enforced and GDPR cookie compliance implemented. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. However, the absence of explicit security headers such as Content Security Policy (CSP), HTTP Strict Transport Security (HSTS), and X-Frame-Options indicates room for improvement. The site uses secure forms with validation but lacks published incident response or security policies. Data protection officer information is provided, supporting compliance efforts. The use of standard WordPress plugins necessitates regular updates to mitigate plugin-related vulnerabilities. Overall, the security posture is adequate for the business type but would benefit from enhanced header policies and incident response transparency.

Recommendations

  1. Implement HTTP security headers including CSP, HSTS, and X-Frame-Options to strengthen browser security.
  2. Publish a dedicated security policy and incident response contact information to improve transparency and readiness.
  3. Regularly audit and update WordPress core and plugins to mitigate vulnerabilities.
  4. Enhance accessibility features to improve compliance and user experience for all users.
  5. Maintain and regularly review GDPR compliance mechanisms and data protection officer communications.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
ПРОФИ КРЕДИТ НМК
Description
ПРОФИ КРЕДИТ НМК Скопје - брзи кредити на рати. Минимална документација и брзо аплицирање. Брзо одобрување!
Key services
Fast loans from 3,000 to 120,000 MKD, Online loan application and signing, Flexible repayment terms
Content quality
good
Branding
consistent

Technology

Stack
WordPress 6.0.11, Bootstrap 3.3.5, jQuery 3.6.0, Yoast SEO plugin, GDPR Cookie Compliance plugin, Contact Form 7
Frameworks
Bootstrap
Platforms
WordPress
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • GDPR cookie consent implemented
  • No exposed sensitive data in HTML

Analytics and tracking

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

Advertising

Ad networks
Google Ads, Facebook Ads
Tracking pixels
Facebook Pixel (implied)
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 no blocking or WAF challenges.
  2. Content is primarily in Macedonian with some English metadata.
  3. Business is a financial services provider specializing in fast consumer loans.
  4. Strong GDPR compliance with cookie consent and privacy policy.
  5. Multiple customer testimonials enhance trust.
  6. No explicit security headers detected; opportunity for improvement.
  7. Use of standard WordPress plugins and frameworks.
  8. Phone contact is prominently displayed and consistent.
  9. No email addresses explicitly found in HTML content.
  10. Social media presence on Facebook and Instagram confirmed.
Technical notes

Notes

The website is built on a modern WordPress platform version 6.0.11 with Bootstrap 3.3.5 and jQuery 3.6.0, indicating a stable and widely supported technology stack. SEO is managed via Yoast plugin, and GDPR compliance is handled by a dedicated cookie consent plugin. Hosting is local to North Macedonia via MKHOST-REG, consistent with the business location. Performance is moderate with asynchronous loading of analytics scripts and lazy loading of images. Mobile optimization is good, with responsive design and adaptive layouts. Accessibility is basic but could be improved. The site uses standard contact forms with client-side validation. No critical technical debt or deprecated technologies were detected, but updating Bootstrap to a newer version could enhance security and features.
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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