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Security report for zaplopujcky.cz

Zaplo · Finance · Czech Republic

Medium risk. 5 critical or high findings in Email security, Security headers and 1 other check.

Security score

58/100

Risk levelMedium

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

Zaplo.cz is a Czech financial services website specializing in fast, tailored loans for individuals. Established in 2017, it operates with a moderate digital maturity, leveraging modern web technologies such as Bootstrap 5 and Google Tag Manager. The website demonstrates good content quality and user experience, with a clear focus on loan services tailored to the Czech market. Technically, the site is hosted likely via WEDOS, uses HTTPS, and implements a comprehensive cookie consent mechanism compliant with GDPR standards. Security posture is adequate with HTTPS and consent management, though lacks explicit security headers and dedicated security policy pages. Overall, the site is legitimate, with no blocking or WAF interference detected, and integrates multiple third-party analytics and advertising platforms with user consent.

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

5 findings rated critical or high. Fix these first.

  1. 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.

    • Critical

      No email authentication configured

      Domain is vulnerable to email spoofing

      What to do: Implement SPF, DKIM, and DMARC immediately

  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';…

  3. Network security

    Services reachable from the internet are the first thing attackers probe. Anything open that does not need to be should be closed.

    • High

      High-Risk Service Exposed: FTP

      Port 21 (FTP) is publicly accessible - FTP - Often unencrypted file transfer

      What to do: Consider restricting access to FTP or implementing strong authentication

      • NIS2 21(2)(e)
      • IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
      • NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
      • NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection

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

Keep watching zaplopujcky.cz

This scan found 21 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

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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
95
Security headers
15
Email security
60
DNS health
75
Network security
20
GDPR outside view
83
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

Zaplo.cz positions itself as a fast loan provider in the Czech Republic, targeting individuals seeking quick financial solutions. Its business model revolves around online loan offerings with tailored terms. The company appears to have partnerships with related financial service domains such as zaplonasplatky.cz and kimbi.cz, indicating a broader ecosystem. The website content and structure suggest a medium-sized operation with consistent branding and professional presentation. Revenue streams likely derive from loan interest and associated financial services. The use of multiple advertising and analytics platforms indicates active marketing and user engagement strategies.

Security posture

The website maintains a good security baseline with enforced HTTPS and a GDPR-compliant cookie consent banner that restricts ad and analytics storage by default until user consent. However, the absence of explicit security headers such as Content Security Policy (CSP), HSTS, and X-Frame-Options reduces the overall security posture. No vulnerabilities or exposed sensitive data were detected in the content. Incident response and security policy information are not publicly available, which could be improved to enhance trust and readiness. The integration of third-party services is managed with consent, mitigating privacy risks.

Recommendations

  1. Implement and enforce security headers including CSP, HSTS, and X-Frame-Options to strengthen defense against common web attacks.
  2. Publish a dedicated security policy and incident response information to improve transparency and preparedness.
  3. Enhance accessibility features to meet higher standards and improve user experience for all visitors.
  4. Provide clear and accessible contact information including support and security contacts to increase business credibility.
  5. Regularly audit third-party scripts and libraries to ensure no vulnerabilities or outdated components are present.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Zaplo
Description
Zaplo offers fast tailored loans (rychlá půjčka na míru) primarily targeting Czech customers seeking quick financial solutions.
Key services
Fast loans, Tailored financial products
Content quality
good
Branding
consistent

Technology

Stack
Bootstrap 5, Google Tag Manager, CookieInformation Consent Management, Cloudflare (implied by cookies), Typekit Fonts
Frameworks
Bootstrap
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with granular control
  • Google Tag Manager with consent mode denying ad storage by default

Analytics and tracking

Services
Google Analytics, Google Tag Manager
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Google Marketing Platform, Adform, Facebook, Microsoft, Bing
Tracking pixels
Facebook Pixel
Marketing tools
Adform
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenge.
  2. Comprehensive cookie consent mechanism implemented with detailed cookie categories.
  3. No explicit contact information or security policy pages found.
  4. Use of multiple third-party analytics and advertising services with consent management.
  5. WHOIS data supports legitimacy and consistent domain age.
  6. No signs of phishing, malware, or suspicious activity detected.
Technical notes

Notes

The website uses a modern tech stack including Bootstrap 5 for responsive design, Google Tag Manager for analytics and marketing, and a cookie consent management platform from CookieInformation. Hosting and domain registration are managed by WEDOS, a reputable Czech provider. Performance is moderate with asynchronous loading of scripts. The site is mobile optimized and includes basic accessibility features. SEO is basic with proper meta tags and Open Graph data but lacks structured data like JSON-LD. No CMS was explicitly detected, suggesting a custom or static site approach. Opportunities exist to improve technical SEO and accessibility compliance.
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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