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Security report for validius.fi

Kravia · Finance · N/a

Medium risk. 3 critical or high findings in Security headers and SSL/TLS.

Security score

69/100

Risk levelMedium

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

Kravia is a cloud-based SaaS provider specializing in automated debt collection software, invoicing services, and portfolio management. The company integrates with popular accounting platforms to streamline financial operations for businesses. Their website demonstrates a modern technical infrastructure leveraging Webflow CMS, Cloudflare CDN, and multiple analytics and marketing tools. Security posture is strong with HTTPS enforcement, use of Auth0 for authentication, and a comprehensive cookie consent mechanism. However, explicit privacy and terms of service pages are not found, which slightly impacts privacy compliance scoring. WHOIS data is unavailable, likely due to privacy protection, which is common for SaaS companies but limits full legitimacy verification. Overall, Kravia presents as a professional and trustworthy service provider in the finance technology sector.

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 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';…

  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

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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
62
Security headers
30
Email security
75
DNS health
65
Network security
100
GDPR outside view
83
Average
69

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

Kravia targets companies requiring efficient debt collection and invoicing solutions, positioning itself as a cloud-first, automated platform integrated with leading accounting systems. The business model is SaaS-based, focusing on ease of use and integration. The company leverages partnerships with multiple accounting software providers, enhancing its ecosystem and market reach. While direct contact information is not prominently displayed, the presence of help and blog subdomains indicates a focus on customer support and content marketing. The lack of visible certifications or security policies suggests room for improvement in formal trust signals.

Security posture

The website employs HTTPS and integrates security best practices such as Auth0 for authentication and a detailed cookie consent banner supporting GDPR compliance. No exposed sensitive data or vulnerable libraries were detected in the HTML content. Security headers are partially implied but not explicitly confirmed. The absence of a security policy or incident response contact reduces transparency. Overall, the security posture is good but could be enhanced by publishing explicit security policies and vulnerability disclosure information.

Recommendations

  1. Publish a clear and comprehensive privacy policy page accessible from the main navigation or footer.
  2. Add a terms of service page to clarify user agreements and legal terms.
  3. Implement and verify security headers such as X-Frame-Options and X-Content-Type-Options.
  4. Provide explicit contact information for data protection officer or security incident response.
  5. Regularly audit third-party scripts and integrations for compliance and security.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Kravia
Description
Automated, cloud-based software for debt collection. Debt recovery, Invoicing service, Integrations, Portfolio management. Simple, smart, and efficient.
Key services
Debt collection automation, Invoicing service, Integrations with accounting systems, Portfolio management
Content quality
good
Branding
consistent

Technology

Stack
Webflow CMS, Google Analytics, Google Tag Manager, Facebook Pixel, LinkedIn Insight Tag, Auth0 (authentication), Cloudflare (likely CDN and security), Weglot (internationalization), CookieInformation (cookie consent management), Typeform (forms integration), WisePops (visual content and website elements)
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of Auth0 for authentication
  • Cookie consent banner with granular controls
  • No exposed sensitive data found in HTML

Analytics and tracking

Services
Google Analytics, Typeform, Simple Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Facebook, LinkedIn
Tracking pixels
Facebook Pixel, LinkedIn Insight Tag
Marketing tools
WisePops, Typeform
Transparency
good

Site quality

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

Key observations

  1. Website uses HTTPS and modern web technologies
  2. Comprehensive cookie consent mechanism implemented
  3. No direct contact emails or phone numbers found on main site
  4. WHOIS data is unavailable due to privacy or query failure
  5. Multiple integrations with popular accounting and financial platforms
  6. No visible security or privacy policy pages explicitly found
  7. No terms of service page detected
  8. No security.txt or vulnerability disclosure found
  9. No explicit data protection officer contact found
Technical notes

Notes

The website is built on Webflow CMS and uses modern web technologies including Google Analytics, Facebook Pixel, LinkedIn Insight Tag, and Auth0 for authentication. Hosting and CDN services appear to be provided by Cloudflare, enhancing performance and security. The site is mobile optimized with good SEO and accessibility basics. Cookie consent is managed by CookieInformation, providing granular user control. Performance is moderate with room for optimization. The technical stack supports scalability and integration with multiple accounting platforms, aligning well with the business model.
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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