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Security report for proficredit.sk

PROFI CREDIT Slovakia, s.r.o. · Finance · Slovakia

High risk. 10 critical or high findings in GDPR outside view, Security headers and 2 other checks.

Security score

43/100

Risk levelHigh

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

PROFI CREDIT Slovakia, s.r.o. operates a professional and well-structured website offering consumer loan services primarily targeting employees and citizens in Slovakia. The company is positioned as a significant provider of credit services with a clear business model focused on online and offline loan applications. The website demonstrates a mature digital infrastructure leveraging WordPress CMS, modern JavaScript libraries, and integrated analytics and marketing tools. Security posture is generally good with HTTPS and reCAPTCHA protections, although minor PHP warnings and lack of explicit security headers suggest room for improvement. Privacy compliance is well addressed with clear policies and cookie consent mechanisms. Overall, the website reflects a trustworthy financial service provider with transparent business information and customer testimonials.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 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

10 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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  • TLS certificates and expiry
  • DNS records
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  • 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
57
Security headers
15
Email security
70
DNS health
70
Network security
20
GDPR outside view
25
Average
43

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 targets Slovakian consumers needing quick and flexible loans, offering amounts from 500 to 5,000 euros with repayment terms from 6 to 36 months. The business benefits from a multi-country presence through related PROFI CREDIT entities in Central and Eastern Europe and Asia. The online application process is streamlined, supporting rapid loan approval and disbursement, which is a competitive advantage. The presence of official documents and regulatory supervision by the National Bank of Slovakia enhances credibility. The company leverages digital marketing and tracking tools effectively to optimize customer acquisition and retention.

Security posture

The website employs HTTPS and integrates Google reCAPTCHA to protect forms from automated abuse. However, visible PHP warnings in the modal form indicate potential information leakage risks. The absence of explicit security headers such as Content-Security-Policy and X-Frame-Options reduces defense-in-depth. No published security policy or incident response contacts were found, which could impact customer trust and regulatory compliance. The cookie consent banner and privacy policy indicate GDPR awareness. Overall, the security posture is solid but could be enhanced by addressing code warnings, adding security headers, and publishing incident response information.

Recommendations

  1. Fix PHP warnings and sanitize all user input to prevent information leakage.
  2. Implement and publish a formal security policy and incident response contact information.
  3. Add and configure security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  4. Conduct regular security audits of third-party scripts and plugins to mitigate vulnerabilities.
  5. Enhance transparency by providing a dedicated data protection officer contact and vulnerability disclosure policy.

Contact details published on the site

Addresses
Legal name
PROFI CREDIT Slovakia, s.r.o.
VAT number
SK2021509270
Registration number
35792752
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
PROFI CREDIT Slovakia, s.r.o.
Description
Profi Credit je významný poskytovateľ úverových finančných služieb. Pôsobí v oblasti poskytovania pôžičiek a spotrebných úverov, určených pre zamestnancov.
Key services
spotrebné úvery, pôžičky do 5000 €, online žiadosť o pôžičku, poistenie schopnosti splácať úver
Content quality
good
Branding
consistent

Technology

Stack
jQuery, Google Tag Manager, Google Analytics, Google reCAPTCHA, Hotjar, WordPress, Contact Form 7, Bloom plugin
Frameworks
WordPress
Platforms
WordPress CMS
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced
  • Google reCAPTCHA integration on forms
  • Use of security plugins (Contact Form 7 with reCAPTCHA)
  • Cookie consent banner

Analytics and tracking

Services
Google Analytics, Hotjar
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Hotjar
Marketing tools
Bloom plugin for email opt-ins
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 professionally presented and relevant to financial loan services.
  3. Multiple official documents are linked, supporting transparency.
  4. Some minor PHP warnings visible in modal form which should be fixed.
  5. Good use of modern web technologies and analytics tools.
  6. Clear cookie consent mechanism present.
  7. No explicit security policy or incident response information found.
  8. Social media presence on Facebook and LinkedIn confirmed.
  9. Multiple related domains for subsidiaries and partners listed in footer.
Technical notes

Notes

The website is built on WordPress CMS with a modern front-end stack including jQuery and various plugins for forms, analytics, and marketing. Performance is moderate with caching and CSS optimization evident. Mobile optimization and accessibility features such as font scaling are implemented, supporting a good user experience. SEO is supported by proper meta tags, Open Graph, and JSON-LD structured data. The site uses multiple external services including Google Analytics, Hotjar, and Google Tag Manager for tracking and marketing. Minor technical debt is indicated by PHP warnings and missing security headers, which should be addressed to improve robustness and security.
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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