Is capitalia.lv Safe? Security Analysis for Capitalia
Check if capitalia.lv is a scam or legitimate. Free security scan and reviews.

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
🧠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)
Phone Numbers (3)
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
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
Capitalia
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.
good
consistent
Technical Stack
moderate
good
basic
good
Security Assessment
- HTTPS enforced
- CSRF token usage in forms
- Cookie consent banner with granular controls
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is fully accessible with no blocking or WAF challenges.
🛡️Security Headers
HTTP security headers analysis and recommendations.
Security Headers
HTTP security headers analysis
Missing Strict-Transport-Security header
HIGHForces HTTPS connections
Missing X-Frame-Options header
HIGHPrevents clickjacking attacks
Missing X-Content-Type-Options header
MEDIUMPrevents MIME type sniffing
Missing Content-Security-Policy header
HIGHControls resources the browser is allowed to load
Missing X-XSS-Protection header
MEDIUMLegacy XSS protection (deprecated but still recommended)
Missing Referrer-Policy header
LOWControls referrer information sent with requests
Missing Permissions-Policy header
MEDIUMControls browser features and APIs
👤GDPR Compliance
Privacy and data protection assessment under GDPR regulations.
GDPR Compliance
Privacy and data protection assessment
No Privacy Policy found
HIGHGDPR requires a clear and accessible privacy policy
No Cookie Consent Banner found
HIGHGDPR requires explicit consent for non-essential cookies
Third-party services without privacy policy
HIGHDetected services: Google Analytics, LinkedIn, Cloudflare
GDPR Compliance Analysis
🛡️NIS2 Compliance
Network & Information Security Directive compliance assessment.
NIS2 Compliance
Network & Information Security Directive
No information security framework found
HIGHNIS2 requires documented cybersecurity and information security measures
No vulnerability disclosure policy
MEDIUMNIS2 encourages coordinated vulnerability disclosure
No security policy documentation found
HIGHNIS2 requires documented cybersecurity governance and risk management
No incident response procedures found
HIGHNIS2 requires documented incident response and business continuity plans
No business continuity planning found
MEDIUMNIS2 emphasizes operational resilience and business continuity
No security contact information
HIGHNIS2 requires clear incident reporting channels
No vulnerability reporting mechanism
MEDIUMClear vulnerability reporting supports coordinated disclosure
No NIS2 reference found
LOWConsider explicitly mentioning NIS2 compliance efforts
Critical sector without clear security compliance
HIGHDetected sectors: transport, banking, digital
📧Email Security
SPF, DKIM, and DMARC validation and email security assessment.
Email Security
SPF, DKIM, and DMARC validation
No DMARC reporting
LOWDMARC aggregate reports not configured
No MTA-STS Policy
MEDIUMMTA-STS enforces TLS for email delivery
No TLS-RPT Record
LOWTLS-RPT provides reporting for email TLS issues
SPF Details
DKIM Selectors Found
DMARC Details
🏆SSL/TLS Security
Certificate validity and encryption analysis.
SSL/TLS Security
Certificate validity and encryption analysis
Weak Protocols Supported
HIGHServer supports weak protocols: TLSv1.1
OCSP Stapling Not Enabled
LOWOCSP stapling improves performance and privacy
Certificate Transparency Not Implemented
LOWCertificate is not logged in Certificate Transparency logs
HSTS Not Enabled
MEDIUMHTTP Strict Transport Security (HSTS) is not configured
Mixed Content Detected
MEDIUM4 resources loaded over insecure HTTP
Protocol Support
OCSP Status
📊DNS Health
DNS configuration and security assessment.
DNS Health
DNS configuration and security assessment
DNSSEC Not Enabled
MEDIUMDNSSEC is not configured for this domain
CAA Records Not Configured
LOWCertificate Authority Authorization (CAA) records not found
Domain Registration Details
DNS Records
DNSSEC Status
DNS Performance
SPF Analysis
⚡Network Security
Port scanning and network exposure analysis.
Network Security
Port scanning and network exposure analysis
Good Network Security Posture
LOWNo unnecessary services detected on common risky ports
🔧Technical Analysis
Detailed technical findings and analysis from AI assessment.
Technical Analysis
Comprehensive security assessment findings