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Security report for skpk.de

S-Kreditpartner · Finance · Germany

Low risk. 2 critical or high findings in Security headers and SSL/TLS.

Security score

80/100

Risk levelLow

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

S-Kreditpartner is a German financial services company specializing in consumer and auto loans, operating fully online and in partnership with Sparkassen banks. The website presents a professional and modern interface built with Next.js and React, integrating Google Tag Manager for analytics. Security posture is strong with HTTPS and security headers implemented, though explicit privacy and cookie policies are not found in the provided content. Contact information and incident response details are not clearly visible, which could impact user trust and compliance. Overall, the business appears legitimate and well-positioned in the finance sector, targeting private customers and Sparkassen partners with streamlined online loan services.

Scanned

NIS2 and GDPR posture

GDPR outside view
88/ 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

2 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 X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

  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 skpk.de

This scan found 16 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

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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
77
Security headers
65
Email security
80
DNS health
70
Network security
100
GDPR outside view
88
Average
80

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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention skpk.de, from OffSeq Breach.

No leaked records found

Breach holds no records for skpk.de right now. New leaks arrive continuously, so monitoring on Breach alerts you if that changes.

Monitor on Breach (opens in a new tab)

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

The company leverages its partnership with Sparkassen to offer immediate and fully online credit services, focusing on consumer and auto loans. The business model centers on digital lending with fast credit decisions and direct payouts. Market positioning is strong within the German finance sector, supported by consistent branding and a clear target audience. The website content and structure support a medium-sized enterprise with a focus on digital customer experience. No subsidiaries or parent company information is disclosed. The partnership ecosystem includes Sparkassen and related domains.

Security posture

The website demonstrates a mature security posture with HTTPS enforced and multiple security headers present. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the absence of visible privacy policies, cookie consent mechanisms, and incident response contacts indicates gaps in compliance and transparency. There is no evidence of a vulnerability disclosure program or security.txt file. The overall security score is good but could be improved by adding explicit compliance and incident response information.

Recommendations

  1. Publish comprehensive privacy and cookie policies prominently on the website.
  2. Implement a clear cookie consent mechanism to comply with GDPR requirements.
  3. Provide visible contact information including emails and phone numbers for customer support and incident response.
  4. Consider publishing a vulnerability disclosure policy or security.txt to enhance transparency.
  5. Enhance accessibility features to improve compliance and user experience.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
S-Kreditpartner
Description
S-Kreditpartner offers consumer and auto loans fully online with immediate availability, partnering with Sparkassen banks.
Key services
Consumer loans, Auto loans, Online credit application, Immediate credit decision, Direct payout
Content quality
good
Branding
consistent

Technology

Stack
React, Next.js, Google Tag Manager
Frameworks
Next.js
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of security headers
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
poor

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 professional and targeted at private customers and Sparkassen partners.
  3. No explicit privacy, cookie, or terms of service policies found in the provided HTML content.
  4. Use of modern web technologies and frameworks.
  5. Security headers and HTTPS are properly implemented.
  6. No contact emails or phone numbers explicitly found in the visible content.
  7. No social media links detected in the provided content.
  8. Google Tag Manager is used for analytics and tracking.
  9. No vulnerability disclosure or security.txt found.
  10. No data protection officer contact information found.
Technical notes

Notes

The website uses a modern React and Next.js stack, ensuring good performance and mobile responsiveness. Google Tag Manager is integrated for analytics and marketing. The site uses multiple JavaScript chunks and preloads key assets for performance optimization. Security headers and HTTPS are properly configured. No CMS or hosting provider details are explicitly found in the HTML content. The site shows good SEO optimization with meta tags and Open Graph data. Accessibility is basic but could be improved. Overall, the technical infrastructure supports a professional and scalable online lending platform.
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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