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Is capitalia.lv a Scam? Security Check Results - Capitalia Reviews

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Is capitalia.lv Safe? Security Analysis for Capitalia

Check if capitalia.lv is a scam or legitimate. Free security scan and reviews.

FinanceLatviamedium
jQueryGoogle Tag ManagerGoogle AnalyticsFathom AnalyticsCookieHub+2 more
Analyzed 7/30/2025Completed 11:24:47 PM
58
Security Score
MEDIUM RISK

AI Summary

Capitalia is a financial services company specializing in providing accessible loans, investments, and advisory services to small and medium enterprises in the Baltic Sea region. Established in 2007, it has financed over 5000 businesses with investments exceeding EUR 100 million. The company positions itself as a leading financer in its market, offering flexible financing solutions as an alternative or addition to traditional bank loans. The website reflects a professional and consistent brand image with clear service offerings and client testimonials. Technically, the website employs a modern technology stack including jQuery, Google Tag Manager, Google Analytics, and CookieHub for cookie consent management. The site is mobile-optimized and demonstrates good SEO practices. Performance is moderate, with room for improvement in accessibility features. Security best practices such as HTTPS enforcement and CSRF protection are observed, though security headers and explicit security policies are absent. From a security perspective, the site shows a solid baseline with encrypted communications and cookie consent mechanisms. However, the lack of WHOIS data and absence of a published security policy or incident response contact reduce overall trust. No critical vulnerabilities or exposed sensitive data were detected. Privacy compliance is well addressed with GDPR-aligned cookie management and a comprehensive privacy policy. Overall, the website is trustworthy and professional but would benefit from improved transparency in domain registration and enhanced security disclosures. Strategic recommendations include publishing a security policy, implementing security headers, and verifying domain registration details to strengthen legitimacy and user trust.

Detected Technologies

jQueryGoogle Tag ManagerGoogle AnalyticsFathom AnalyticsCookieHubTyped.jsBootstrap 3

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

Capitalia operates in the finance sector, targeting SMEs in the Baltic countries with a business model focused on lending, investment opportunities, and advisory services. Its competitive advantage lies in flexible financing solutions tailored for businesses underserved by traditional banks. The company leverages partnerships with banks, European institutions, and payment processors to enhance service delivery. Revenue streams likely include interest from loans, investment management fees, and advisory charges. The presence of multiple country-specific contact numbers indicates a regional operational footprint. Growth indicators include a large number of funded businesses and significant invested capital. The partnership ecosystem is robust, involving reputable financial and governmental organizations, which supports credibility and market reach.

Extracted Contact Information

Marketing Intelligence Data

Email Addresses (1)

i*****@capitalia.com

Phone Numbers (3)

+3712880****
+3706168****
+3725864****

Security Posture Analysis

Comprehensive Security Assessment

The website demonstrates a moderate to good security posture. HTTPS is enforced, and CSRF tokens are used in forms, indicating awareness of common web security practices. Cookie consent is managed via CookieHub, supporting GDPR compliance. However, the absence of key security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options is a gap that could expose the site to clickjacking or MIME sniffing attacks. No security.txt or vulnerability disclosure policy is published, limiting transparency and incident response readiness. WHOIS data is missing, which raises concerns about domain registration legitimacy. No evidence of exposed credentials or vulnerable libraries was found. Overall, the site is secure for typical user interactions but could improve in transparency and header security.

Strategic Recommendations

Priority Actions for Security Improvement

1

Publish a comprehensive security policy and incident response contact information on the website.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Capitalia

Description:

Capitalia is the leading financer for small and medium enterprises in the Baltic sea region. Operating since 2007, they have financed more than 5000 businesses investing over EUR 100 million in their development. They provide accessible loans and investments for sums up to EUR 1,000,000 and up to 5 year terms.

Key Services:
FinancingInvestmentsAdvisory
Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:
jQueryGoogle Tag ManagerGoogle AnalyticsFathom AnalyticsCookieHubTyped.jsBootstrap 3
Performance:

moderate

Mobile:

good

Accessibility:

basic

SEO:

good

Security Assessment

Security Score:
80/100
Best Practices:
  • HTTPS enforced
  • CSRF token usage in forms
  • Cookie consent banner with granular controls

Analytics & Tracking

Services:
Google AnalyticsFathom AnalyticsLinkedIn Insight
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Ad Networks:
Google AdSense
Tracking Pixels:
LinkedIn Insight TagFathom Analytics
Marketing Tools:
CookieHub
Transparency Level:good

Website Quality Assessment

Design Quality:good
User Experience:good
Content Relevance:good
Navigation Clarity:good
Professionalism:good
Trustworthiness:high

Key Observations

1

Website is fully accessible with no blocking or WAF challenges.

🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

20/100
Score

Missing Strict-Transport-Security header

HIGH

Forces HTTPS connections

Missing X-Frame-Options header

HIGH

Prevents clickjacking attacks

Missing X-Content-Type-Options header

MEDIUM

Prevents MIME type sniffing

Missing Content-Security-Policy header

HIGH

Controls resources the browser is allowed to load

Missing X-XSS-Protection header

MEDIUM

Legacy XSS protection (deprecated but still recommended)

Missing Referrer-Policy header

LOW

Controls referrer information sent with requests

Missing Permissions-Policy header

MEDIUM

Controls browser features and APIs

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

50/100
Score

No Privacy Policy found

HIGH

GDPR requires a clear and accessible privacy policy

No Cookie Consent Banner found

HIGH

GDPR requires explicit consent for non-essential cookies

Third-party services without privacy policy

HIGH

Detected services: Google Analytics, LinkedIn, Cloudflare

GDPR Compliance Analysis

Privacy Policy0% confidence
Cookie Policy85% confidence
Contact Information Found90% confidence
emailphone

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

2/100
Score

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 vulnerability reporting mechanism

MEDIUM

Clear vulnerability reporting supports coordinated disclosure

No NIS2 reference found

LOW

Consider explicitly mentioning NIS2 compliance efforts

Critical sector without clear security compliance

HIGH

Detected sectors: transport, banking, digital

📧Email Security

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

Email Security

SPF, DKIM, and DMARC validation

82/100
Score

No DMARC reporting

LOW

DMARC aggregate reports not configured

No MTA-STS Policy

MEDIUM

MTA-STS enforces TLS for email delivery

No TLS-RPT Record

LOW

TLS-RPT provides reporting for email TLS issues

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
SPF Details
Record:
v=spf1 mx include:spf.mailigen.com include:_spf.google.com ~all
DNS Lookups:3/10
Policy:~all
DKIM Selectors Found
Selector:google(1416-bit rsa)
Selector:s1(1440-bit rsa)
DMARC Details
Policy:reject

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

52/100
Score

Weak Protocols Supported

HIGH

Server supports weak protocols: TLSv1.1

OCSP Stapling Not Enabled

LOW

OCSP stapling improves performance and privacy

Certificate Transparency Not Implemented

LOW

Certificate is not logged in Certificate Transparency logs

HSTS Not Enabled

MEDIUM

HTTP Strict Transport Security (HSTS) is not configured

Mixed Content Detected

MEDIUM

4 resources loaded over insecure HTTP

Protocol Support

TLSv1.2TLSv1.3TLSv1.1

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

Domain Registration Details

Domain Age
14 years(mature)
Expiry Risk
none(2960 days)
Protection Level
strongDNSSEC OFF

DNS Records

A Records:15.197.225.128, 3.33.251.168
Name Servers:
ns07.domaincontrol.com
ns08.domaincontrol.com
MX Records:
5: alt1.aspmx.l.google.com
5: alt2.aspmx.l.google.com
1: aspmx.l.google.com
10: alt3.aspmx.l.google.com
10: alt4.aspmx.l.google.com
SOA:Serial: 2025061114, TTL: 600s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:139ms

SPF Analysis

SPF Record:
v=spf1 mx include:spf.mailigen.com include:_spf.google.com ~all

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

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website uses a combination of jQuery, Bootstrap 3, Google Tag Manager, Google Analytics, Fathom Analytics, and CookieHub for cookie consent management. The site is responsive and mobile-optimized with a clear navigation structure. Performance is moderate, with asynchronous loading of analytics and marketing scripts. The site lacks a detected CMS, suggesting a custom or proprietary platform. Hosting provider details are not evident from the content. The use of modern analytics and marketing tools indicates a mature digital marketing approach. Technical debt is minimal but could be reduced by updating Bootstrap and jQuery versions. SEO is well addressed with meta tags and canonical links. Overall, the technical infrastructure supports business goals effectively but could benefit from modernization and enhanced security configurations.
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