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Security report for startersrenteregeling.nl

Social Finance · Finance · Netherlands

High risk. 9 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

33/100

Risk levelHigh

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

Startersrenteregeling.nl is a niche financial services website managed by Social Finance N.V., focused on servicing existing mortgage products under the Starters Renteregeling scheme which was discontinued in 2016. The website provides informational content and FAQs for consumers and notaries related to these mortgages. Technically, the site is built on WordPress using the Avada theme and common web libraries such as jQuery and FontAwesome. However, the site lacks a valid SSL certificate, resulting in no HTTPS support, which is a critical security vulnerability. Other security measures such as HSTS, DNSSEC, and strict DMARC policies are also missing. Privacy compliance is partial with a privacy policy present but no cookie consent mechanism detected. Business credibility is moderate with consistent WHOIS data and a mature domain age. Overall, the site is functional but requires urgent security improvements to protect user data and improve trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
0/ 100 · Critical
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

9 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 Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

  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 Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

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

    • 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';…

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

Keep watching startersrenteregeling.nl

This scan found 28 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.

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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
50
Security headers
15
Email security
50
DNS health
65
Network security
20
GDPR outside view
0
Average
33

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 business operates in the finance sector, specifically mortgage loan servicing for a discontinued product line. Its market position is niche and focused on legacy customers. The business model centers on loan portfolio management and customer support. Partnerships with Achmea and Obvion indicate a collaborative ecosystem. The target audience includes consumers with existing Starters Renteregeling mortgages and notaries involved in mortgage processes. The company has been established since 2007, indicating stability. Revenue streams likely derive from servicing fees or management contracts. The website content is professionally presented with good SEO practices but lacks advanced marketing or analytics tools.

Security posture

The current security posture is weak due to the absence of HTTPS, lack of security headers, and missing DNSSEC and CAA records. SPF is configured but DMARC is set to none, offering minimal email protection. No incident response or security policy information is publicly available, indicating low transparency in security governance. The site does not implement cookie consent mechanisms, which is a GDPR compliance gap. No known vulnerabilities in libraries were detected, but the lack of HTTPS is a critical risk exposing users to data interception. Overall, the security maturity is low and requires immediate remediation.

Recommendations

  1. Obtain and install a valid SSL/TLS certificate to enable HTTPS across the entire site.
  2. Implement HTTP Strict Transport Security (HSTS) with includeSubDomains and preload directives.
  3. Enable DNSSEC and configure CAA records to enhance DNS security and certificate issuance control.
  4. Set a stricter DMARC policy (e.g., quarantine or reject) and monitor email reports to reduce phishing risks.
  5. Add security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  6. Deploy a cookie consent mechanism to comply with GDPR and improve user privacy transparency.
  7. Publish a security policy and incident response contact information to enhance trust and preparedness.
  8. Improve website performance and mobile optimization for better user experience.
  9. Consider adding analytics with privacy-respecting configurations to monitor user engagement.
  10. Regularly audit and update WordPress core, themes, and plugins to mitigate vulnerabilities.
Technical notes

Notes

The website runs on a WordPress CMS with the Avada theme and uses standard web technologies including jQuery and FontAwesome. Hosting is provided by hostingcp.eu with an nginx web server. The site lacks a valid SSL certificate, resulting in no HTTPS support, which is a major technical and security deficiency. Performance metrics are missing but inferred slow. SEO is enhanced by the use of Rank Math plugin and structured data (JSON-LD) for organization and webpage metadata. Accessibility and mobile optimization are basic but functional. The DNS setup includes valid SPF records but lacks DNSSEC and CAA records. Overall, the technical infrastructure is functional but outdated in security and performance aspects, requiring modernization and hardening.
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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