SmileCredit · Finance · Bulgaria
Medium risk. 4 critical or high findings in SSL/TLS and Security headers.
SmileCredit is a Bulgarian online lending platform specializing in fast payday loans and installment credit products up to 10,000 BGN. The company targets individuals seeking quick and accessible credit solutions with minimal documentation, emphasizing ease of use and speed. Their market position is that of an active microfinance lender with clear product offerings and a digital-first approach. Technically, the website employs modern marketing and analytics tools such as Google Tag Manager, Facebook Pixel, and reCAPTCHA Enterprise, indicating a mature digital infrastructure. The site is mobile-optimized and uses HTTPS, ensuring secure communications. However, it lacks explicit privacy and cookie policies, which is a compliance gap. Security posture is generally good but could be improved by adding security headers and publishing vulnerability disclosure information. Overall, the website is professional and trustworthy, but improvements in privacy compliance and security transparency are recommended.
Scanned
NIS2 Art. 21(2)
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.
4 findings rated critical or high. Fix these first.
TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.
Could not establish secure connection to retrieve certificate information
What to do: Check if the server is accessible and SSL/TLS is properly configured
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.
Forces HTTPS connections
What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"
Prevents clickjacking attacks
What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"
Controls resources the browser is allowed to load
What to do: Implement a Content-Security-Policy appropriate for your application
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Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.
Each check with its score, findings and the evidence it collected.
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
Not counted
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.
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
Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.
Leaked records that mention smilecredit.bg, from OffSeq Breach.
3 subdomains affected
See the 10 newest leaked credentials
A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for smilecredit.bg.
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Breach keeps ingesting new leaks, so these numbers can grow between scans.
Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.
Automated reading of the public site. Ratings are indicative.
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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