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Security report for qred.se

Qred Bank AB · Finance · Sweden

Medium risk. 5 critical or high findings in GDPR outside view and SSL/TLS.

Security score

69/100

Risk levelMedium

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

Qred Bank AB is a specialized financial institution founded in 2015, focusing on providing financing solutions tailored for small and medium-sized enterprises across several European countries including Sweden, Finland, Denmark, Norway, Netherlands, Belgium, and Germany. Their core offerings include business loans, corporate credit cards with cashback benefits, and high-interest savings accounts. The company positions itself as a niche bank dedicated to supporting small business growth with fast and accessible financial products. The website reflects a mature digital presence with multi-language support and strong branding consistency. Technically, the website is built on the Webflow platform, integrated with HubSpot for marketing and customer engagement, and uses Google Tag Manager and Intellimize for analytics and optimization. The site is well-optimized for performance, mobile responsiveness, and SEO, with modern security headers and HTTPS enforced. Privacy compliance is robust, featuring cookie consent mechanisms and GDPR-aligned policies. From a security perspective, the site demonstrates good practices including secure transport, content security policies, and no visible vulnerabilities or exposed sensitive data. However, it lacks publicly available security policies or incident response contacts, which could be improved to enhance trust and transparency. The absence of WHOIS data for the exact subdomain www.qred.se suggests it may be a subdomain or alias, but the main domain qred.se is presumably registered and used. Overall, Qred Bank's website presents a professional, trustworthy, and user-friendly platform for SME financing. Strategic recommendations include publishing detailed security and incident response policies, implementing a vulnerability disclosure program, and continuing to monitor third-party scripts for security risks to maintain a strong security posture.

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

5 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

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, LinkedIn, YouTube

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

  2. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1
    • High

      Weak SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

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

Keep watching qred.se

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
57
Security headers
60
Email security
85
DNS health
70
Network security
100
GDPR outside view
40
Average
69

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

Qred Bank operates in the competitive SME financing market, leveraging a digital-first approach to deliver loans, credit cards, and savings products. Their competitive advantage lies in specialization for small businesses, fast loan disbursement (within 24 hours), and value-added services like smart receipt management and global purchase protection on cards. The company has built a strong brand with over 50,000 businesses served and maintains a high customer satisfaction rating on Trustpilot. Their multi-country presence and localized language support indicate a scalable business model. Partnerships and career opportunities are highlighted, suggesting growth and ecosystem development. The use of advanced marketing and analytics tools supports data-driven customer acquisition and retention strategies.

Security posture

The website exhibits a mature security posture with HTTPS enforced and multiple security headers such as Content-Security-Policy, X-Frame-Options, and Referrer-Policy. Cookie consent and privacy mechanisms are implemented in compliance with GDPR. No critical vulnerabilities or exposed sensitive information were detected in the HTML content. However, the absence of a public security policy or incident response contact reduces transparency. There is no evidence of a vulnerability disclosure program or security.txt file. The integration of multiple third-party scripts necessitates ongoing security audits to mitigate supply chain risks. Overall, the security posture is strong but could be enhanced by adding explicit security governance documentation and incident response details.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and controls.
  2. Provide clear incident response contact information (e.g., security@ or abuse@ email).
  3. Implement a vulnerability disclosure program and publish a security.txt file.
  4. Regularly audit and update third-party scripts and dependencies to avoid vulnerabilities.
  5. Enhance accessibility features to improve compliance and user experience for all users.

Contact details published on the site

Addresses
Legal name
Qred Bank AB
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Qred Bank AB
Description
Qred Bank hjälper småföretag med finansiering: företagslån upp till 5 000 000 kr, företagskort utan årsavgift och sparkonto. Snabb ansökan online.
Key services
Företagslån (business loans), Företagskort (business credit cards), Sparkonto (savings accounts)
Content quality
excellent
Branding
consistent

Technology

Stack
Webflow CMS, HubSpot, Google Tag Manager, Intellimize, Trustpilot widget, JavaScript, CSS
Frameworks
Webflow
Platforms
HubSpot
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Content Security Policy present
  • Referrer policy set to no-referrer-when-downgrade
  • Cookie consent mechanism implemented
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics, HubSpot Analytics, Intellimize
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
HubSpot, Intellimize, Trustpilot
Marketing tools
HubSpot, Intellimize
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenge.
  2. Content is professional, well-structured, and targeted at small business financing.
  3. Strong use of structured data and SEO best practices.
  4. Multiple language support and clear navigation.
  5. Robust privacy and cookie consent mechanisms implemented.
  6. No security policy or incident response information publicly available.
  7. WHOIS data for www.qred.se subdomain not found; possible domain/subdomain mismatch.
  8. Use of multiple third-party marketing and analytics tools.
  9. Trustpilot integration with high customer rating.
  10. No adult or questionable content detected.
Technical notes

Notes

The website is built on Webflow CMS, leveraging HubSpot for marketing automation and customer engagement, and Google Tag Manager for analytics management. Intellimize is used for personalization and optimization. The site uses modern web standards with valid HTML and CSS, optimized for fast loading and mobile responsiveness. Structured data (JSON-LD) is implemented for SEO and rich results. Hosting is via Webflow's CDN, ensuring good performance and availability. The technical stack is modern and well-integrated, supporting a professional digital presence. Opportunities exist to further improve accessibility and to document security and compliance frameworks publicly.
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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