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Security report for urbo.lt

Urbo · Finance · Lithuania

Low risk. 3 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

77/100

Risk levelLow

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

Urbo.lt is a Lithuanian banking website offering a comprehensive range of financial services to private individuals and business clients. The bank provides housing loans, consumer loans, business financing, deposits, payment cards, e-banking, insurance, and safe deposit box rentals. The website is professionally designed with clear navigation and is optimized for mobile devices, reflecting a modern digital presence. The domain was registered in 2023, consistent with the bank's founding year, indicating a new but legitimate financial institution in Lithuania. The website includes detailed privacy and cookie policies, demonstrating compliance with GDPR and related regulations. Social media presence on LinkedIn and Facebook further supports its credibility. Technically, the site uses modern frameworks such as Alpine.js and Livewire, is hosted behind Cloudflare, and employs Google Tag Manager and Facebook Pixel for marketing and analytics. Security best practices are observed, including HTTPS enforcement, security headers, and CSRF tokens. No critical vulnerabilities or suspicious content were detected, and the site is free from WAF blocking or challenge pages.

Scanned

NIS2 and GDPR posture

GDPR outside view
68/ 100 · Medium
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. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  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 SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

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

Keep watching urbo.lt

This scan found 18 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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Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
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  • Lifetime access to this report

Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

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
75
Security headers
60
Email security
85
DNS health
75
Network security
100
GDPR outside view
68
Average
77

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

Urbo positions itself as a medium-sized Lithuanian bank targeting both retail and business customers. Its business model revolves around traditional banking products supplemented by digital services such as online loan applications and API platforms. The bank leverages partnerships and internal services (e.g., mano.urbo.lt for document management and paraiska.urbo.lt for loan applications) to enhance customer experience. The presence of financial reports and investor information indicates transparency and regulatory compliance. The bank's marketing strategy includes retargeting and analytics tools to optimize customer acquisition and engagement. Overall, Urbo appears to be a growing financial institution with a focus on digital transformation and customer-centric services.

Security posture

The website demonstrates a strong security posture with HTTPS enabled and multiple security headers in place. The presence of CSRF tokens and absence of exposed sensitive data indicate secure handling of user inputs and sessions. Use of Cloudflare provides additional protection against DDoS and other attacks. However, explicit security policies and incident response information are not published, which could improve transparency and preparedness. No vulnerable libraries or outdated technologies were detected. The site uses third-party scripts for analytics and marketing, which should be regularly audited to mitigate supply chain risks. Overall, the security maturity is good but could benefit from enhanced disclosure and vulnerability management practices.

Recommendations

  1. Publish a dedicated security policy and incident response plan accessible on the website.
  2. Implement and publish a security.txt file to facilitate responsible vulnerability disclosure.
  3. Regularly audit and update third-party scripts and libraries to prevent supply chain vulnerabilities.
  4. Enhance transparency by providing data retention policies related to analytics and user data.
  5. Consider expanding contact information with verified company emails for support and security reporting.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Urbo
Description
Banko paslaugos privatiems ir verslo klientams
Key services
Housing loans, Consumer loans, Business loans, Term deposits, Payment cards, E-banking, Insurance, Safe deposit box rental
Content quality
excellent
Branding
consistent

Technology

Stack
Alpine.js, Livewire, Cloudflare, Google Tag Manager, Facebook Pixel, CookieScript
Frameworks
Livewire
Platforms
Cloudflare
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • CSRF token present in meta tags
  • Secure cookies likely (implied by Cloudflare usage)
  • No exposed sensitive data in HTML
  • Use of security headers

Analytics and tracking

Services
Cloudflare Insights, Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google Ads
Tracking pixels
Facebook Pixel, Cloudflare Insights
Marketing tools
Facebook Pixel, CookieScript
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and fully accessible.
  2. Clear focus on banking services for private and business clients.
  3. Comprehensive privacy and cookie policies with consent mechanisms.
  4. Use of modern web technologies and security best practices.
  5. No signs of malicious or suspicious content.
  6. Active social media presence on LinkedIn and Facebook.
  7. Domain registration details are transparent and consistent with business claims.
Technical notes

Notes

Urbo.lt uses a modern technology stack including Alpine.js for reactive UI components and Livewire for server-driven interactivity. The site is hosted behind Cloudflare, ensuring performance optimization and security. Google Tag Manager and Facebook Pixel are integrated for marketing and analytics purposes. The website is well-structured with proper meta tags, Open Graph data, and JSON-LD structured data for SEO. Accessibility features such as ARIA roles and keyboard navigation support are implemented. Performance is optimized with preloading and module preloading of assets. The site is mobile responsive and provides a smooth user experience. No CMS was explicitly detected, suggesting a custom or framework-based solution. Overall, the technical implementation is robust and modern.
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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