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Security report for smsraha.ee

Placet Group OÜ · Finance · Estonia

Medium risk. 3 critical or high findings in Security headers, Email security and 1 other check.

Security score

74/100

Risk levelMedium

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

Smsraha.ee is a well-established Estonian financial services provider specializing in consumer and business loans, credit lines, and credit cards. Operating since 2009, the company offers a range of flexible credit products tailored to both private individuals and businesses. The website reflects a professional and user-friendly design with clear navigation and comprehensive service descriptions, targeting the Estonian market. The business model focuses on providing accessible credit solutions with competitive terms and customer-centric features such as cashback and interest-free periods. The company positions itself as a reliable and modern partner in the Estonian lending market.

Scanned

NIS2 and GDPR posture

GDPR outside view
83/ 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

3 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 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';…

  2. Email security

    SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.

  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 smsraha.ee

This scan found 22 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
67
Security headers
65
Email security
65
DNS health
65
Network security
100
GDPR outside view
83
Average
74

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

The company leverages its long-standing presence and experience in the Estonian loan market to maintain a competitive edge. Its product portfolio includes credit lines, credit cards with cashback, consumer loans, refinancing options, and business loans, catering to diverse customer needs. Partnerships with payment and card issuing providers like Wallester and term deposit services like erahoius.ee enhance its ecosystem. The business model is based on unsecured lending with digital application processes, supported by a responsive customer service framework. The website's content and testimonials indicate a focus on customer satisfaction and trust-building. Growth potential is supported by digital channels and mobile app availability.

Security posture

The website enforces HTTPS with a strong SSL configuration and employs cookie consent mechanisms aligned with GDPR requirements. Use of Google Tag Manager and Google Analytics is configured with consent denial by default for ad and analytics storage, indicating privacy-conscious implementation. However, explicit security headers such as Content-Security-Policy and X-Frame-Options are not detected, and no public security policy or incident response contacts are provided. No vulnerabilities or exposed sensitive data were found in the HTML content. Overall, the security posture is good but could be enhanced by adding formal security policies and headers.

Recommendations

  1. Implement additional HTTP security headers like Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to strengthen browser security.
  2. Publish a dedicated security policy page and provide incident response contact information to improve transparency and trust.
  3. Add a security.txt file to facilitate responsible vulnerability disclosure.
  4. Enhance accessibility features to improve compliance and user experience for all users.
  5. Regularly audit third-party scripts and libraries to ensure no vulnerabilities are introduced.

Contact details published on the site

Addresses
Legal name
Placet Group OÜ
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Placet Group OÜ
Description
Smsraha.ee tegutseb Eesti laenuturul alates 2009. aastast. Pikaaegne kogemus ning pidev teenuste arendamine teevad meist usaldusväärse ning kaasaegseid lahendusi pakkuva partneri nii era- kui ärikliendile.
Key services
Krediidikonto, Krediitkaart, Tarbimislaen, Refinantseerimine, Kiirlaen, Ärilaen
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, jQuery, noUiSlider, Google Tag Manager, Google Analytics
Frameworks
Custom JavaScript frameworks, Possibly Placet Group proprietary platform
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with granular options
  • No exposed sensitive data in HTML
  • Use of Google Tag Manager with consent set to deny ad and analytics storage by default

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google Ads
Transparency
good

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 Estonian language targeting local customers
  3. Comprehensive loan and credit product offerings
  4. Clear contact and payment information provided
  5. Cookie consent mechanism implemented with granular controls
  6. Use of modern web technologies and analytics tools
  7. No explicit security or incident response policies found
  8. WHOIS data supports legitimacy and long-term operation
Technical notes

Notes

The website uses a modern JavaScript stack including jQuery and noUiSlider for UI components, with Google Tag Manager and Google Analytics for tracking and marketing. The site is mobile-optimized with responsive design and preloaded fonts for performance. The HTML is well-structured with appropriate meta tags for SEO and social sharing (Open Graph). No CMS is explicitly detected, suggesting a custom or proprietary platform. Performance is moderate with room for optimization. Accessibility is basic but functional. Hosting provider details are not explicitly available from the content. Overall, the technical infrastructure supports a professional and functional user experience with potential for further modernization.
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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