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Security report for sambla.se

Sambla Group AB · Finance · Sweden

Medium risk. 4 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

59/100

Risk levelMedium

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

Sambla Group AB operates a well-established Swedish financial services platform specializing in loan comparison and consolidation. The company offers consumers access to over 40 lenders, enabling them to find competitive loan rates and consolidate existing debts efficiently. With a strong market presence since 2014 and over 390,000 customers served, Sambla positions itself as a trusted intermediary in the personal finance sector. The website is professionally designed, mobile-optimized, and integrates modern technologies such as React and Gatsby, ensuring a smooth user experience. Comprehensive privacy and cookie policies are implemented with user consent mechanisms, reflecting good compliance with GDPR requirements. Security measures include HTTPS enforcement and appropriate security headers, although a dedicated security policy page is absent. Overall, Sambla demonstrates a mature digital infrastructure and a strong commitment to user privacy and trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
58/ 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

4 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

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

  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.

    • Critical

      No HTTPS Encryption

      Website does not use HTTPS encryption, making all data transmission vulnerable to interception

      What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS

  3. 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 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';…

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

Keep watching sambla.se

This scan found 18 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
0
Security headers
40
Email security
85
DNS health
70
Network security
100
GDPR outside view
58
Average
59

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

Sambla's business model centers on generating revenue through commissions from partner lenders, without charging users additional fees or interest markups. The platform targets Swedish consumers seeking personal loans, mortgage refinancing, car loans, and savings products. Its competitive advantage lies in offering a single credit check for multiple loan offers, simplifying the borrowing process. The company maintains partnerships with numerous financial institutions and leverages marketing tools like Google Ads, Microsoft Advertising, Meta, and Snapchat for targeted advertising. The presence of a mobile app enhances customer engagement and retention. Sambla's transparent policies, clear contact information, and trust signals such as Trustpilot reviews contribute to its reputable market position.

Security posture

The website employs strong security practices including HTTPS with excellent SSL configuration and multiple security headers such as Content-Security-Policy and Strict-Transport-Security. Cookie consent is managed via Cookiebot, providing granular user control over tracking and marketing cookies. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. However, the absence of a public security policy and incident response contact details indicates room for improvement in transparency and preparedness. The use of third-party analytics and marketing scripts is balanced with user consent, aligning with privacy best practices. Overall, the security posture is robust but could benefit from enhanced documentation and incident response readiness.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and controls.
  2. Provide clear incident response contact information such as security@ or abuse@ email addresses.
  3. Conduct regular audits of third-party scripts to mitigate potential vulnerabilities.
  4. Enhance accessibility features to meet higher standards for all users.
  5. Implement automated security scanning and monitoring to proactively detect issues.

Contact details published on the site

Addresses
Legal name
Sambla Group AB
Registration number
556974-8378
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Sambla Group AB
Description
Sambla offers a free and secure service to compare loans from over 40 lenders, allowing customers to borrow up to 800,000 SEK with low interest rates. They help users find the best loan conditions and consolidate loans.
Key services
Loan comparison, Loan consolidation, Personal loans, Mortgage loans, Car loans, Savings account comparison, Mobile app for personal finance
Content quality
excellent
Branding
consistent

Technology

Stack
React, Gatsby, Mantine UI, Cookiebot, Google Tag Manager, Hotjar, Trustpilot widget
Frameworks
React, Gatsby
Platforms
Web
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with granular controls
  • No exposed sensitive data in HTML
  • Use of security headers

Analytics and tracking

Services
Google Analytics, Hotjar
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Google Ads, Microsoft Advertising, Meta, Snapchat
Tracking pixels
Cookiebot, Hotjar, Trustpilot
Marketing tools
Appsflyer, Exponea
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 WAF or blocking
  2. Comprehensive cookie consent and privacy management via Cookiebot
  3. Clear and consistent branding and business information
  4. Use of modern web technologies and frameworks
  5. Strong presence of third-party analytics and marketing tools with user consent
  6. No critical security issues detected in HTML content
  7. Multiple contact channels provided including phone, email, and physical address
  8. Structured data present for SEO and business information
  9. Mobile optimized and responsive design
  10. Trustpilot integration for customer reviews
Technical notes

Notes

The website is built using modern web technologies including React and Gatsby, supported by the Mantine UI framework for consistent styling. It leverages Cookiebot for cookie management and integrates analytics tools like Google Analytics and Hotjar for user behavior insights. Hosting appears to be on Amazon S3 for static assets, contributing to fast load times and reliable performance. The site is fully responsive and optimized for mobile devices, with good SEO practices including structured data (JSON-LD) for organization and FAQ content. The technical implementation reflects a mature and well-maintained infrastructure with opportunities to further enhance security documentation and accessibility.
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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