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Security report for schoutenzekerheidpersoonlijk.nl

Schouten Zekerheid · Other · Netherlands

Medium risk. 5 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

69/100

Risk levelMedium

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

Schouten Zekerheid is a medium-sized Dutch insurance brokerage firm specializing in private insurance products. The company positions itself among the top 10 largest independent insurance brokers in the Netherlands, offering a comprehensive range of services including advice, procurement, management, and claims assistance. Their business model focuses on personalized service and transparency, targeting private individuals seeking tailored insurance solutions. The website content is professionally presented in Dutch, with clear navigation and a focus on user experience. Technically, the website is built on the Umbraco CMS platform, utilizing modern web technologies such as HTML5, CSS3, and JavaScript. It integrates Google Analytics for visitor tracking and Google Fonts for typography. The site is mobile optimized with good SEO practices and moderate performance. However, some accessibility features could be improved to enhance compliance and user inclusivity. From a security perspective, the website employs HTTPS with a good SSL configuration, but lacks explicit security headers and published security policies. No vulnerabilities or exposed sensitive data were detected in the HTML content. The cookie consent mechanism is implemented, supporting GDPR compliance. Incident response and vulnerability disclosure information are not publicly available, which could be improved to strengthen trust. Overall, the website demonstrates a solid business credibility and technical foundation with room for security and privacy enhancements. Strategic recommendations include implementing security headers, publishing security and incident response policies, and enhancing accessibility features to improve compliance and user trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
28/ 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 Cookie Policy found

      GDPR requires clear information about cookie usage

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

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  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 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';…

  3. 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 schoutenzekerheidpersoonlijk.nl

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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
72
Security headers
80
Email security
65
DNS health
70
Network security
100
GDPR outside view
28
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

Schouten Zekerheid operates in the insurance brokerage sector, focusing on private insurance products for individuals in the Netherlands. Their competitive advantage lies in their claim as one of the top 10 largest independent brokers, leveraging extensive business expertise to serve private clients. The business model revolves around personalized advisory services, transparent communication, and comprehensive insurance management including claims support. Revenue streams likely include commissions from insurance providers and fees for advisory services. The target customer segment is private individuals seeking tailored insurance packages with benefits such as package discounts and online management. The company ecosystem includes related domains such as mijn.schoutenzekerheid.nl for client login and management. Growth indicators include a professional web presence and integration of digital tools. Strategic observations suggest opportunities to expand digital security posture and enhance customer trust through published policies and certifications.

Security posture

The current security maturity level of the website is moderate. HTTPS is enforced with a good SSL configuration, ensuring encrypted communications. However, the absence of key security headers such as Content-Security-Policy, X-Content-Type-Options, and X-Frame-Options reduces protection against common web attacks. No visible vulnerabilities or exposed sensitive data were found in the HTML content. The cookie consent mechanism supports GDPR compliance, but no explicit incident response or vulnerability disclosure policies are published. Data protection practices appear basic with no identified data protection officer contact. The security culture could be improved by formalizing security policies and publishing them on the website. Overall, the security posture is adequate for the business type but could benefit from enhancements to reduce risk and improve compliance.

Recommendations

  1. Implement standard security headers (Content-Security-Policy, X-Content-Type-Options, X-Frame-Options) to enhance protection against web attacks.
  2. Publish a dedicated security policy and incident response plan on the website to improve transparency and preparedness.
  3. Consider creating and publishing a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  4. Enhance accessibility features to meet recognized standards and improve user inclusivity.
  5. Regularly audit third-party scripts and tracking tools to ensure they do not introduce vulnerabilities or privacy risks.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Schouten Zekerheid
Description
Wij leveren een compleet dienstenpakket voor advies, inkoop, beheer en hulp bij schade. Transparantie is voor ons heel belangrijk, zodat u te allen tijde op de hoogte bent wat wij voor voor u betekenen. Wij geven u een uniek advies op basis van uw eigen risico's, u krijgt een persoonlijke service en er staat staat altijd een collega voor u klaar! Doormiddel van ons zakelijke aanbod behoren wij tot de top 10 grootste, onafhankelijke verzekeringsmakelaars van Nederland! Onze zakelijke expertise vertalen wij door naar de privéverzekeringen die wij u aanbieden!
Key services
advies, inkoop, beheer, hulp bij schade, private insurance packages
Content quality
good
Branding
consistent

Technology

Stack
Google Analytics, Google Fonts, JavaScript, CSS3, HTML5
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enabled
  • No exposed sensitive data in HTML
  • Secure forms with no visible vulnerabilities

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Transparency
basic

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 in Dutch and targets private insurance customers in the Netherlands.
  3. Clear navigation structure with multiple insurance product categories.
  4. Cookie consent mechanism is implemented and visible.
  5. No explicit security or incident response policies published.
  6. No visible email addresses; phone contact is prominently displayed.
  7. Use of Google Analytics for tracking with consent banner.
  8. CMS identified as Umbraco based on CSS and JS file paths.
  9. No suspicious or malicious domains linked.
  10. No social media links detected in the provided HTML.
Technical notes

Notes

The website is built on the Umbraco CMS platform, utilizing modern web standards including HTML5, CSS3, and JavaScript. It uses Google Fonts for typography and integrates Google Analytics via gtag.js for visitor tracking. The site is mobile optimized with responsive design and good SEO metadata including canonical links and meta descriptions. Performance is moderate, with deferred JavaScript loading and optimized images. No major technical debt or errors were detected in the HTML content. Opportunities exist to improve accessibility and implement additional security headers. Hosting provider details were not identified from the HTML content. Overall, the technical infrastructure supports a professional and functional user experience.
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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