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Security report for zwebb.com

ZWEBB Sweden AB · Finance · Sweden

Medium risk. 6 critical or high findings in Security headers and GDPR outside view.

Security score

68/100

Risk levelMedium

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

ZWEBB Sweden AB is a medium-sized FinTech company specializing in SaaS financial platforms for crowdlending, factoring, invoice trading, and SME financing. Positioned as a leading provider in Scandinavia with international reach, the company offers innovative cloud-based solutions tailored for startups, digital banks, and financial institutions. Their award-winning products and partnerships with industry leaders underscore their market credibility. Technically, the website employs modern web technologies including HTML5, YUI framework, and integrates multiple analytics tools, reflecting a mature digital infrastructure. Security posture is solid with HTTPS and secure forms, though improvements in security headers and published policies are recommended. Overall, the site is professional, user-friendly, and compliant with basic privacy standards, supporting a trustworthy online presence.

Scanned

NIS2 and GDPR posture

GDPR outside view
50/ 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

6 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 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';…

  2. GDPR outside view

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

    • 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

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

Keep watching zwebb.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
85
Security headers
15
Email security
70
DNS health
85
Network security
100
GDPR outside view
50
Average
68

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

ZWEBB operates in the competitive FinTech sector, focusing on SaaS platforms that enable alternative financing methods such as crowdlending and factoring. Their business model leverages cloud technology to serve a diverse client base including banks, financial institutions, and SMEs across the EMEA region. The company’s strategic partnerships with KYC/AML and e-signature providers enhance their service offerings. Their recognition through industry awards and membership in the Swedish FinTech Association indicates strong market positioning and growth potential. The reseller program suggests an expansion strategy to broaden market reach. Overall, ZWEBB demonstrates a robust ecosystem and a clear focus on innovation and quality.

Security posture

The website demonstrates a good security baseline with enforced HTTPS and secure data collection via forms. However, the absence of explicit security policies, incident response contacts, and security.txt files indicates gaps in transparency and readiness. The use of reputable third-party analytics is balanced with basic privacy compliance, but further enhancements in security headers and vulnerability disclosure would strengthen their posture. No visible vulnerabilities or exposed sensitive data were detected. The company should prioritize publishing comprehensive security and incident response information to build greater trust and compliance.

Recommendations

  1. Implement and enforce security headers such as Content-Security-Policy, Strict-Transport-Security, X-Frame-Options, and X-XSS-Protection.
  2. Publish a dedicated security policy and incident response contact information on the website.
  3. Add a vulnerability disclosure policy or security.txt file to facilitate responsible reporting.
  4. Enhance accessibility features to improve compliance and user experience for all users.
  5. Regularly review and audit third-party scripts and analytics tools for security and privacy compliance.

Contact details published on the site

Addresses
Legal name
ZWEBB Sweden AB
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
ZWEBB Sweden AB
Description
ZWEBB Fintech produces innovative SaaS-enabled financial systems for factoring, lending, investing, and SME financing. They provide cloud-based financial SaaS applications for crowdfunding, factoring, invoice trading, loan origination, and RegTech reporting, serving clients in Scandinavia and internationally.
Key services
Crowdlending & Crowdinvesting platforms, Factoring, Invoice Discounting & Reverse Factoring platforms, Receivables Trading, SME Financing & Crowdfactoring, Loan Origination and Loan Management, RegTech reporting, API connectivity, KYC/KYB/AML integrations
Content quality
good
Branding
consistent

Technology

Stack
HTML5, YUI 3.17.2 JavaScript library, Google Analytics (gtag.js), Microsoft Clarity, Baidu Analytics
Frameworks
YUI JavaScript framework
Platforms
Cloud-based SaaS
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Secure contact forms with POST method
  • No exposed sensitive data in HTML
  • Use of reputable third-party analytics and tracking scripts

Analytics and tracking

Services
Google Analytics, Microsoft Clarity, Baidu Analytics
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
Microsoft Clarity, Baidu Analytics
Marketing tools
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 rich content and no blocking detected.
  2. WHOIS data is missing or domain not found, which is unusual for an active business site.
  3. Website uses modern analytics and tracking tools with basic privacy compliance.
  4. Contact information is clearly presented with multiple channels.
  5. No explicit security policies or incident response contacts published.
  6. Website content is finance-focused, professional, and safe for general audiences.
  7. Site uses a CMS likely eZ Publish and YUI JavaScript framework.
  8. Multiple language options available (English and Swedish).
  9. Awards and partner logos enhance trust signals.
Technical notes

Notes

The website is built on a modern tech stack with HTML5 and the YUI JavaScript framework, supported by a CMS likely eZ Publish. It integrates multiple analytics platforms including Google Analytics, Microsoft Clarity, and Baidu Analytics, indicating a comprehensive approach to user behavior tracking. The site is mobile optimized with responsive design and good SEO practices. Performance is moderate, with asynchronous loading of scripts to improve speed. However, the use of an older JavaScript framework (YUI) may present modernization opportunities. The hosting provider is not explicitly identified. Overall, the technical infrastructure supports the business goals but could benefit from updates to frameworks and enhanced security configurations.
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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