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Security report for raha24.ee

BB Finance OÜ · Finance · Estonia

Medium risk. 4 critical or high findings in Security headers and SSL/TLS.

Security score

70/100

Risk levelMedium

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

Raha24, operated by BB Finance OÜ, is an Estonian online lending platform specializing in unsecured loans up to 10,000 EUR with quick approval processes. The company targets individuals in Estonia seeking fast and reliable credit solutions. The website demonstrates a mature digital presence with a domain registered since 2010, consistent with the business's operational history. Technical infrastructure is based on WordPress with modern SEO and consent management tools, indicating a moderate to good level of digital maturity. Security posture is solid with HTTPS enforced and cookie consent implemented, though some security headers appear missing. No critical vulnerabilities or exposed sensitive data were detected. Privacy compliance is strong, with comprehensive privacy and cookie policies and GDPR-aligned consent mechanisms. Overall, the website is professional, trustworthy, and well-optimized for its target market.

Scanned

NIS2 and GDPR posture

GDPR outside view
83/ 100 · Low
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

4 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. 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

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

Keep watching raha24.ee

This scan found 23 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.

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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
67
Security headers
15
Email security
85
DNS health
70
Network security
100
GDPR outside view
83
Average
70

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

Raha24 positions itself as a fast and trustworthy credit provider in Estonia's finance sector, focusing on unsecured loans suitable for various life situations. The business model revolves around online loan applications with immediate responses, catering primarily to the Estonian market. The company leverages partnerships with major ad networks like Google and Meta for marketing and retargeting. The presence of a Facebook page supports social engagement and brand trust. The lack of explicit contact information on the homepage suggests a streamlined digital-first approach. The company appears small-sized but established, with no visible parent or subsidiary companies. The use of Cookiebot and Yoast SEO indicates attention to compliance and search visibility.

Security posture

The website enforces HTTPS and uses a reputable cookie consent management platform (Cookiebot), reflecting good security and privacy practices. However, the absence of explicit security headers such as Content Security Policy (CSP), X-Frame-Options, or HSTS in the provided data suggests room for improvement. No exposed credentials or vulnerable libraries were found. The site does not disclose an incident response policy or security contact channels, which could be enhanced to improve transparency and readiness. Overall, the security posture is good but could benefit from additional hardening and documented policies.

Recommendations

  1. Implement and verify comprehensive security headers (CSP, HSTS, X-Frame-Options) to enhance protection against common web attacks.
  2. Publish explicit terms of service and security policy pages to improve legal clarity and user trust.
  3. Add clear contact information including support emails and phone numbers to facilitate user communication and compliance.
  4. Establish and disclose an incident response process with dedicated contact channels for security issues.
  5. Regularly audit third-party scripts and dependencies to mitigate risks from external content.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
BB Finance OÜ
Description
Raha24 on usaldusväärne ja kiire krediidiandja, kelle laenud sobivad igaks elujuhtumiks. Taotle kuni 72 kuuks. Vastus taotlusele kohe.
Key services
Unsecured loans, Online loan application, Quick loan approval
Content quality
good
Branding
consistent

Technology

Stack
WordPress, Yoast SEO, jQuery, Google Tag Manager, Cookiebot CMP
Platforms
WordPress
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

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

Analytics and tracking

Services
Google Analytics
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Meta Platforms, Inc., Google
Tracking pixels
Facebook Pixel
Marketing tools
Cookiebot
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. Comprehensive cookie consent mechanism implemented via Cookiebot.
  3. No explicit contact emails or phone numbers found on the homepage or in metadata.
  4. No terms of service page detected.
  5. Use of modern SEO practices with Yoast plugin and structured data.
  6. Social media presence confirmed via Facebook link.
  7. No explicit security policy or incident response contact found.
  8. Website uses HTTPS and modern web fonts with preload for performance.
  9. Multiple third-party cookies and tracking scripts from Google and Meta detected.
  10. No visible vulnerabilities or exposed sensitive data in HTML content.
Technical notes

Notes

The website is built on WordPress CMS, utilizing Yoast SEO for optimization and Cookiebot for GDPR-compliant cookie management. It employs jQuery and Google Tag Manager for analytics and marketing integrations. Fonts are preloaded for performance, and the site is mobile-optimized with responsive design. Hosting and domain registration are managed by Zone Media OÜ, a known Estonian provider. Performance is moderate, with potential for improvement by optimizing scripts and security headers. Accessibility is basic but could be enhanced with ARIA roles and better keyboard navigation support. SEO is well addressed with proper meta tags, Open Graph, and JSON-LD structured data.
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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