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Security report for pujcka.co

Půjčka.co srovnání s.r.o. · Finance · Czech Republic

Medium risk. 8 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

53/100

Risk levelMedium

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

Půjčka.co srovnání s.r.o. operates the website pujcka.co, a Czech Republic-based online financial product comparison portal specializing in consumer loans, mortgages, and related financial services. The platform aggregates and compares offers from both bank and non-bank lenders, providing users with detailed loan information, interest rates, and application options. The company positions itself as a trusted intermediary with regulatory oversight by the Czech National Bank, offering transparent and accessible financial product comparisons to Czech consumers. Technically, the website employs modern web technologies including Google Tag Manager, Facebook Pixel, and advertising networks such as MGID and Seznam SSP. The site is mobile-optimized with good SEO practices and a moderate performance profile. While no CMS or hosting provider is explicitly identified, the site demonstrates a professional and consistent design with clear navigation and comprehensive content. From a security perspective, the site enforces HTTPS and avoids exposing sensitive data in its HTML content. However, it lacks explicit security headers and publicly available security or incident response policies. Privacy compliance is addressed with accessible privacy and cookie policies, including GDPR considerations and user consent mechanisms. Contact information is clearly provided, enhancing business credibility. Overall, pujcka.co presents a professional and trustworthy financial comparison service with a solid technical foundation and reasonable security posture. The absence of WHOIS transparency due to redacted data is mitigated by the presence of verifiable company information and regulatory oversight claims. Strategic improvements in security headers and incident response transparency would further strengthen the site's security and trustworthiness.

Scanned

NIS2 and GDPR posture

GDPR outside view
35/ 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. 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

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

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

Keep watching pujcka.co

This scan found 25 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

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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
72
Security headers
15
Email security
75
DNS health
80
Network security
40
GDPR outside view
35
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

Půjčka.co operates in the competitive Czech financial services market as an online intermediary and comparison platform. Its business model centers on aggregating loan and financial product offers from licensed providers, facilitating consumer decision-making and online loan applications. The company targets Czech consumers seeking quick and reliable loan comparisons, including bank and non-bank loans, mortgages, and savings products. Revenue likely derives from affiliate partnerships and lead generation with financial institutions. The platform's competitive advantage lies in its comprehensive database, regulatory compliance, and user-friendly interface. Growth indicators include a large product catalog (192 loans listed) and integration with multiple loan providers. Partnerships with financial institutions and advertising networks support its ecosystem. The company maintains a small size with focused operations in the Czech market.

Security posture

The website demonstrates a moderate to good security posture with enforced HTTPS and no visible exposure of sensitive data. The use of third-party tracking and advertising scripts introduces potential risk vectors, though no vulnerable libraries or direct security flaws are evident in the HTML content. The absence of key security headers such as Content-Security-Policy and X-Frame-Options is a notable gap. There is no publicly disclosed security policy or incident response contact, which limits transparency and preparedness perception. GDPR compliance is addressed through privacy and cookie policies with consent mechanisms. Overall, the security maturity is adequate for a financial comparison portal but would benefit from enhanced header implementation, documented security policies, and incident response readiness.

Recommendations

  1. Implement comprehensive HTTP security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to mitigate common web attacks.
  2. Publish a clear security policy and incident response plan on the website to improve transparency and user trust.
  3. Regularly audit and monitor third-party scripts and advertising networks to minimize security risks from external dependencies.
  4. Enhance accessibility features to improve compliance and user experience for all visitors.
  5. Consider WHOIS privacy reduction by providing verified registrant information to increase domain trustworthiness.

Contact details published on the site

Addresses
Legal name
Půjčka.co srovnání s.r.o.
Registration number
065 82 354
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Půjčka.co srovnání s.r.o.
Description
Půjčka.co je online srovnávač bankovních i nebankovních půjček a dalších finančních produktů. Nabízí přehledné porovnání úvěrů, rychlé půjčky, hypotéky, konsolidace, spoření a další finanční služby.
Key services
Porovnání půjček, Porovnání hypoték, Konsolidace půjček, Spořicí účty, Online žádost o půjčku
Content quality
good
Branding
consistent

Technology

Stack
Google Tag Manager, Facebook Pixel, MGID, Seznam SSP, JavaScript, HTML5, CSS3
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • No visible vulnerable libraries

Analytics and tracking

Services
Google Analytics (via GTM), Facebook Analytics
Tracking level
moderate
Privacy practices
basic

Advertising

Ad networks
MGID, Seznam SSP
Tracking pixels
Facebook Pixel
Marketing tools
Facebook Pixel
Transparency
good

Site quality

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

Key observations

  1. Website is a Czech financial product comparison portal
  2. WHOIS data is fully redacted, no registrar or dates available
  3. Site uses multiple third-party marketing and tracking scripts
  4. No visible security headers detected in HTML source
  5. Privacy and cookie policies are present and accessible
  6. Contact info includes company email, phone, and physical address
  7. No signs of adult or questionable content
  8. Site is fully accessible with no WAF blocking
  9. Business claims regulatory oversight by Czech National Bank
  10. Offers multiple loan products with detailed info and links
Technical notes

Notes

The website uses a modern JavaScript-based front end with integration of Google Tag Manager, Facebook Pixel, and MGID advertising scripts. It loads asynchronously to optimize performance and includes responsive design elements for mobile users. SEO is supported by meta tags and structured navigation. No CMS or hosting provider is explicitly identified, suggesting a custom or proprietary platform. Performance is moderate with room for optimization. Accessibility is basic but functional. The site lacks advanced security headers and explicit technical documentation. Overall, the technical infrastructure supports the business needs but could be enhanced with improved security and performance tuning.
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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