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Is apg.nl a Scam? Security Check Results - APG

apg.nl Security Report Summary

apg.nl received a security score of 40 out of 100 in Guard's comprehensive security analysis, classified as "Elevated Risk". This report covers APG's website security posture. APG operates in the Finance industry in Netherlands.

APG is a large Dutch pension fund service provider specializing in pension administration, asset management, and advisory services. The website is content-rich, professionally designed, and targets pension participants and institutional investors. The technical infrastructure includes Cloudflare hosting, Umbraco CMS, and multiple marketing and analytics tools such as Google Tag Manager and Cookiebot. However, a critical security issue is the absence of a valid SSL certificate and enabled TLS protocols, which severely impacts the security posture. Security headers are well implemented, but the lack of HTTPS reduces trust and security. Privacy compliance is strong with clear privacy and cookie policies and consent mechanisms. Contact information is primarily via web forms, with no explicit emails or phone numbers found. Social media presence is active on LinkedIn, Facebook, and Instagram. Overall, the website is professional and trustworthy but requires urgent SSL/TLS configuration improvements to enhance security and user trust.

The security scan identified 24 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: JavaScript, Google Tag Manager, Cookiebot, Cloudflare, Umbraco Forms.

About this security scan

Guard performs automated security assessments of websites by analyzing SSL/TLS certificates, HTTP security headers, DNS configuration, email authentication protocols (SPF, DKIM, DMARC), GDPR compliance indicators, NIS2 directive compliance, network exposure, and AI-powered business intelligence. Each report provides domain-specific findings, risk scores, and actionable recommendations.

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Is apg.nl Safe? Security Analysis for APG

http://apg.nl

Check if apg.nl is a scam or legitimate. Free security scan and reviews.

FinanceNetherlandslarge
JavaScriptGoogle Tag ManagerCookiebotCloudflareUmbraco Forms
Analyzed 6/15/2025Completed 11:36:47 PM9mo ago
40
Security Score
HIGH RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Domainapg.nl
Access tierFull report or marketing add-on

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VisaMastercardApple PayGoogle Pay

Secure payments processed via EveryPay. Prices in EUR; Incl. 21% VAT.

SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

AI Summary

APG is a large Dutch pension fund service provider specializing in pension administration, asset management, and advisory services. The website is content-rich, professionally designed, and targets pension participants and institutional investors. The technical infrastructure includes Cloudflare hosting, Umbraco CMS, and multiple marketing and analytics tools such as Google Tag Manager and Cookiebot. However, a critical security issue is the absence of a valid SSL certificate and enabled TLS protocols, which severely impacts the security posture. Security headers are well implemented, but the lack of HTTPS reduces trust and security. Privacy compliance is strong with clear privacy and cookie policies and consent mechanisms. Contact information is primarily via web forms, with no explicit emails or phone numbers found. Social media presence is active on LinkedIn, Facebook, and Instagram. Overall, the website is professional and trustworthy but requires urgent SSL/TLS configuration improvements to enhance security and user trust.

Detected Technologies

JavaScriptGoogle Tag ManagerCookiebotCloudflareUmbraco Forms

12 urgent findings need attention

4 critical · 8 high

  • + 4 more findings in the full report below
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Security drift alerts

Risk score drops, new high-severity issues, and header hardening gaps

Compliance watch

GDPR / NIS2 posture changes with governance evidence snapshots

Infrastructure surface

Unexpected open services, SSL expiry, DNS & email authentication changes

Content & tracker intelligence

Marketing tech shifts, analytics drift, and AI recommendation updates

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Security Headers

4 findings

70/100

GDPR Compliance

7 findings

0/100

NIS2 Compliance

8 findings

5/100

Email Security

1 finding

50/100

🧠AI Business Intelligence

Technology stack, business insights, and market analysis powered by AI.

Business Intelligence

Market & Strategic Analysis

APG holds a strong market position in the Dutch pension sector, offering essential pension and asset management services. The business model focuses on long-term financial returns combined with societal impact, targeting pension participants and institutional clients. The website content emphasizes sustainability, innovation, and corporate governance, reflecting strategic priorities. The presence of dedicated partner domains for careers and asset management indicates a structured ecosystem. The company leverages modern marketing and analytics tools to engage its audience effectively. No suspicious or privacy-protected domain registrations were detected, supporting legitimacy. The absence of direct contact emails or phone numbers suggests a controlled communication approach via forms.

Security Posture Analysis

Comprehensive Security Assessment

The website implements several security best practices including strict Content Security Policy, HSTS header, X-Frame-Options, and other security headers. However, the lack of a valid SSL certificate and disabled TLS protocols is a critical vulnerability, exposing users to potential interception and undermining trust. No known vulnerabilities like Heartbleed or POODLE were detected, but the absence of HTTPS is a major compliance and security gap. No explicit security or incident response policies are published on the site. The site uses Cloudflare as a hosting provider but does not leverage its SSL capabilities properly. Overall, the security maturity is low due to missing HTTPS, despite good header configurations.

Strategic Recommendations

Priority Actions for Security Improvement

1

Install and maintain a valid SSL/TLS certificate to enable HTTPS across the entire site.

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

70/100
Score

Missing X-XSS-Protection header

MEDIUM

Legacy XSS protection (deprecated but still recommended)

Weak Referrer-Policy configuration

LOW

Current value: "no-referrer-when-downgrade"

Missing Permissions-Policy header

MEDIUM

Controls browser features and APIs

Sensitive data may be cached

LOW

Cache-Control header should include "no-store" for sensitive pages

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

0/100
Score

No Privacy Policy found

HIGH

GDPR requires a clear and accessible privacy policy

No Cookie Policy found

HIGH

GDPR requires clear information about cookie usage

No Cookie Consent Banner found

HIGH

GDPR requires explicit consent for non-essential cookies

Insufficient contact information

MEDIUM

GDPR requires organizations to provide clear contact details

EU business without adequate privacy measures

CRITICAL

EU businesses are subject to strict GDPR requirements

Third-party services without privacy policy

HIGH

Detected services: Facebook, LinkedIn

No HTTPS encryption

CRITICAL

GDPR requires appropriate security measures for personal data

GDPR Compliance Analysis

Privacy Policy0% confidence
Cookie Policy0% confidence

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

5/100
Score

No HTTPS encryption

CRITICAL

NIS2 requires appropriate technical measures including encryption

No information security framework found

HIGH

NIS2 requires documented cybersecurity and information security measures

No vulnerability disclosure policy

MEDIUM

NIS2 encourages coordinated vulnerability disclosure

No security policy documentation found

HIGH

NIS2 requires documented cybersecurity governance and risk management

No incident response procedures found

HIGH

NIS2 requires documented incident response and business continuity plans

No business continuity planning found

MEDIUM

NIS2 emphasizes operational resilience and business continuity

No security contact information

HIGH

NIS2 requires clear incident reporting channels

No NIS2 reference found

LOW

Consider explicitly mentioning NIS2 compliance efforts

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📧Email Security

SPF, DKIM, and DMARC validation and email security assessment.

Email Security

SPF, DKIM, and DMARC validation

50/100
Score

Email Security Check Incomplete

MEDIUM

Some email security checks timed out

SPF
Sender Policy Framework
DKIM
DomainKeys Identified Mail
DMARC
Domain-based Message Authentication
MX Records
Mail Exchange Records
BIMI
Brand Indicators
MTA-STS
Mail Transfer Agent Security
TLS-RPT
TLS Reporting
DNSSEC
DNS Security

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

0/100
Score

No HTTPS Encryption

CRITICAL

Website does not use HTTPS encryption, making all data transmission vulnerable to interception

OCSP Status

OCSP Stapling Disabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

85/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

DNS Records

A Records:162.159.140.127
Name Servers:
dns1.novagraaf-dns.comDNS only
dns2.novagraaf-dns.netDNS only
dns3.novagraaf-dns.nlDNS only
dns4.novagraaf-dns.euDNS only
MX Records:
10: apg-nl.mail.protection.outlook.com

DNSSEC Status

DNSSEC Not Enabled

Network Security

Port scanning and network exposure analysis.

Network Security

Port scanning and network exposure analysis

100/100
Score

Good Network Security Posture

LOW

No unnecessary services detected on common risky ports

How does apg.nl compare?

apg.nl scores below average. Browse similar domains to see how competitors handle security.

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website uses Umbraco CMS with Cloudflare hosting and integrates multiple JavaScript libraries and marketing tools including Google Tag Manager, Cookiebot, and Hotjar. The site is mobile optimized with good accessibility and SEO practices. However, performance metrics are missing or zero, indicating potential measurement gaps or slow loading times. The site uses lazy loading for images and preloads fonts for performance. The DNS setup is professional with multiple authoritative name servers and Outlook-based mail exchange. The absence of SSL/TLS is a significant technical risk. The site architecture includes multiple collections and content categories, indicating a mature content management strategy.
Professional PDF & Marketing Data

Download the apg.nl report as PDF

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PDF Report & Export

PDF download, email delivery, unlock code

39.90 €one-time • Incl. 21% VAT

Marketing Intelligence

Contact emails, phone numbers & warm leads

49.90 €one-time • Incl. 21% VAT

Plan Comparison

FeaturePDF ReportMarketing+
Full security analysis
Professional PDF export
Email delivery
Lifetime access + unlock code
Contact emails & phones
Marketing outreach data

Already purchased?

Order summary

Domainapg.nl
Access tierFull report or marketing add-on

Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.

VisaMastercardApple PayGoogle Pay

Secure payments processed via EveryPay. Prices in EUR; Incl. 21% VAT.

SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

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