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Security report for viasms.lv

SIA VIA SMS · Finance · Latvia

Medium risk. 6 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

58/100

Risk levelMedium

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

SIA VIA SMS operates the website www.viasms.lv, providing fast online consumer loans up to 5,000 euros targeted primarily at Latvian customers. The company holds a special license issued by PTAC, confirming its legitimacy in the Latvian financial sector. The website offers a loan calculator, flexible repayment options, and clear instructions for registration and loan application. The parent company is VIA SMS GROUP, which operates subsidiaries in multiple countries. Technically, the website uses a custom CMS with jQuery and integrates multiple analytics and marketing tools such as Google Analytics, Facebook Pixel, TikTok Pixel, and Microsoft Clarity. The site is mobile optimized and provides a cookie consent mechanism compliant with GDPR. Security posture is good with HTTPS enforced and no visible vulnerabilities, though no explicit security policy or incident response contacts are published. Overall, the website is professional, trustworthy, and well-positioned in the Latvian online lending market.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 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

6 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

    • 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

  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.

    • Critical

      Unable to retrieve SSL certificate

      Could not establish secure connection to retrieve certificate information

      What to do: Check if the server is accessible and SSL/TLS is properly configured

  3. 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';…

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

Keep watching viasms.lv

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

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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
0
Security headers
70
Email security
85
DNS health
70
Network security
100
GDPR outside view
25
Average
58

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 is positioned as a key player in the Latvian online lending market, leveraging fast credit approval and flexible repayment to attract consumers. Its business model focuses on consumer finance with digital application processes. The presence of multiple subsidiaries under VIA SMS GROUP indicates a broad geographic footprint and diversified market presence. The company uses extensive tracking and marketing tools to optimize customer acquisition and retention. Licensing and clear contact information enhance trust. Growth potential is supported by digital maturity and multi-country operations.

Security posture

The website demonstrates a mature security posture with HTTPS enforced and no exposed sensitive data. Use of cookie consent and privacy policies indicates compliance with GDPR. However, the absence of a published security policy and incident response contacts is a gap. No security.txt or vulnerability disclosure program is found. The use of multiple third-party analytics and tracking scripts increases the attack surface but no vulnerable libraries or insecure scripts were detected. Security headers are not explicitly visible in the HTML content and could be improved. Overall, the site is secure but could enhance transparency and incident readiness.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and controls.
  2. Add incident response contact information such as security@ or abuse@ email addresses.
  3. Implement and publish a vulnerability disclosure or security.txt file to encourage responsible reporting.
  4. Enhance accessibility features to improve compliance and user experience for all users.
  5. Add security headers like Content-Security-Policy, X-Content-Type-Options, and Strict-Transport-Security.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
SIA VIA SMS
Description
Provides fast online loans up to 5,000€ with quick approval and flexible repayment options, targeting Latvian customers.
Key services
Online quick loans, Flexible repayment options, Credit calculator
Content quality
good
Branding
consistent

Technology

Stack
jQuery, jQuery UI, Google Tag Manager, Google Analytics, Facebook Pixel, TikTok Pixel, Microsoft Clarity, Adobe Animate CC
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of secure cookies (implied by scripts)
  • Consent mechanism for cookies

Analytics and tracking

Services
Google Analytics, Microsoft Clarity, TikTok Analytics, Facebook Analytics
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
TrackMyTarget
Tracking pixels
Facebook Pixel, TikTok Pixel, Microsoft Clarity
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. Comprehensive cookie consent mechanism implemented.
  3. Clear business licensing information displayed.
  4. Multiple tracking and analytics tools used, indicating mature marketing practices.
  5. No explicit security policy or incident response contacts found.
  6. Good mobile optimization and user experience.
  7. WHOIS data supports legitimacy and business consistency.
Technical notes

Notes

The website uses a custom-built platform with jQuery and jQuery UI libraries, supported by Adobe Animate CC for authoring. It integrates multiple third-party analytics and marketing tools including Google Tag Manager, Google Analytics, Facebook Pixel, TikTok Pixel, and Microsoft Clarity. The site loads asynchronously many scripts to optimize performance. Mobile optimization is good with responsive design and fallback images for small screens. SEO is supported by meta tags and Open Graph tags. Hosting provider is not explicitly identified. Performance is moderate with room for improvement in accessibility and modern framework adoption.
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

Earlier scans of this domain

  1. 56/100Medium27 findingsView report
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