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Security report for sjfbank.dk

SJF Bank · Finance · Denmark

High risk. 20 critical or high findings in GDPR outside view, Network security and 2 other checks.

Security score

49/100

Risk levelHigh

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

SJF Bank is a well-established regional bank in Denmark, founded in 1825, offering a broad range of financial services including private banking, business banking, loans, investments, insurance, and pension products. The bank emphasizes personalized advisory services and maintaining close relationships with its customers. The website reflects a mature digital presence with modern technologies such as Next.js and React, ensuring good performance, mobile optimization, and accessibility. Security posture is strong with HTTPS enforcement and standard security headers, though explicit security policies and incident response information are not publicly detailed. The absence of WHOIS data limits domain trust verification, but the overall business information and online presence indicate legitimacy and professionalism. Strategic recommendations include publishing detailed security policies, vulnerability disclosure mechanisms, and enhancing transparency around data protection officers to further strengthen trust and compliance.

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

20 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

  2. Network security

    Services reachable from the internet are the first thing attackers probe. Anything open that does not need to be should be closed.

    • Critical

      Critical Service Exposed: Telnet

      Port 23 (Telnet) is publicly accessible - Telnet - Unencrypted remote access

      What to do: Immediately restrict access to Telnet using firewall or VPN

      • NIS2 21(2)(e)
      • IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
      • NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
      • NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection
    • Critical

      Critical Service Exposed: SMB

      Port 445 (SMB) is publicly accessible - SMB - Windows file sharing, high risk

      What to do: Immediately restrict access to SMB using firewall or VPN

      • NIS2 21(2)(e)
      • IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
      • NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
      • NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection
    • Critical

      Critical Service Exposed: MSSQL

      Port 1433 (MSSQL) is publicly accessible - MSSQL - Database server

      What to do: Immediately restrict access to MSSQL using firewall or VPN

      • NIS2 21(2)(e)
      • IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
      • NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
      • NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection
    • Critical

      Critical Service Exposed: Oracle

      Port 1521 (Oracle) is publicly accessible - Oracle - Database server

      What to do: Immediately restrict access to Oracle using firewall or VPN

      • NIS2 21(2)(e)
      • IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
      • NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
      • NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection

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

Keep watching sjfbank.dk

This scan found 34 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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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
35
Email security
85
DNS health
75
Network security
0
GDPR outside view
40
Average
49

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 · found on this site
  • 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

SJF Bank operates primarily in the Danish banking sector, targeting both private individuals and businesses. Its competitive advantage lies in its long history, regional focus, and personalized customer service. The bank's business model revolves around retail and commercial banking with digital service offerings. Revenue streams likely include interest income from loans, fees from banking services, insurance products, and investment management. The bank maintains partnerships with Bankdata for IT infrastructure and digital banking platforms. Growth indicators include recent rebranding efforts and active investor relations. The company maintains a consistent brand image and leverages social media channels for engagement. The website content and structure support customer acquisition and retention through clear product offerings and support resources.

Security posture

The website demonstrates a solid security foundation with HTTPS enabled and multiple security headers in place, reducing risks of common web attacks. No exposed sensitive data or vulnerable libraries were detected in the analyzed content. However, the lack of publicly available security policies, incident response contacts, or vulnerability disclosure programs suggests room for improvement in transparency and preparedness. GDPR compliance is indicated through privacy and cookie policies, but explicit data protection officer contact details are not found. The bank should consider publishing a security policy and incident response plan to enhance customer trust and regulatory compliance. Overall, the security posture is good but could be elevated with more explicit communication and formalized processes.

Recommendations

  1. Publish a dedicated security policy page detailing security practices and commitments.
  2. Implement and publicize a vulnerability disclosure program or security.txt file.
  3. Provide clear contact information for the Data Protection Officer and incident response team.
  4. Regularly audit and update third-party scripts and dependencies to mitigate vulnerabilities.
  5. Enhance user education on security best practices and fraud prevention.

Contact details published on the site

Addresses
Legal name
SJF Bank A/S
Registration number
CVR 36532130
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
SJF Bank
Description
Vi har altid arbejdet for at gøre det nære samfund til et bedre sted at leve, arbejde og drive virksomhed. Den mission forfølger vi fortsat ved at være I øjenhøjde med dig – uanset hvor du befinder dig.
Key services
Private banking, Business banking, Loans, Savings and investments, Insurance, Pension, Digital banking services
Content quality
good
Branding
consistent

Technology

Stack
React, Next.js, Font Awesome, Flatpickr
Frameworks
Next.js
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Secure cookies
  • No exposed sensitive data in HTML
  • Use of modern JavaScript frameworks with security in mind

Analytics and tracking

Tracking level
minimal
Privacy practices
good

Advertising

Transparency
poor

Site quality

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

Key observations

  1. Website is fully accessible with rich content and navigation
  2. Strong presence of structured data and metadata for SEO
  3. Comprehensive business and investor information provided
  4. No signs of phishing or malware
  5. No explicit security policy or incident response details publicly available
  6. WHOIS data missing, limiting domain trust verification
  7. Good use of modern web technologies and frameworks
  8. Social media presence is verified and consistent with brand
Technical notes

Notes

The website is built using modern web technologies including React and Next.js, enabling server-side rendering and improved SEO. The use of Font Awesome icons and Flatpickr date picker enhances UI/UX. Hosting appears to be managed by Bankdata, a known Danish financial IT provider, indicating a secure and reliable infrastructure. Performance is moderate with good mobile optimization and accessibility features. The site includes comprehensive structured data (JSON-LD) for SEO and social media integration. There is no detected CMS, suggesting a custom or framework-based solution. Technical risks are minimal, but continuous monitoring and updates are recommended to maintain security and performance.
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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