Is credit24.ee Safe? Security Analysis for IPF Digital AS
https://credit24.eeCheck if credit24.ee is a scam or legitimate. Free security scan and reviews.
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SEQ SIA
Lastadijas 12 k-3, Riga, Latvia, LV-1050
Reg. No. 40203410806 • VAT LV40203410806
Support: guard@offseq.com • +371 2256 5353
AI Summary
Credit24.ee is a well-established Estonian online consumer finance provider offering a variety of loan products including credit accounts, car loans, and personal loans. The company operates under IPF Digital AS and has a strong regional presence with subsidiaries and partner brands across the Baltics and Australia. The website is professionally designed using modern web technologies such as React and Next.js, hosted on AWS, and incorporates GDPR-compliant cookie consent mechanisms. Analytics and marketing tools like Microsoft Clarity and Google Tag Manager are used for user behavior tracking and advertising. Security posture is strong with HTTPS enforced and standard security headers present, though explicit security policies and incident response contacts are not publicly detailed. WHOIS data confirms domain legitimacy and consistency with the business profile. Overall, the site demonstrates a mature digital presence with good privacy compliance and business credibility.
Detected Technologies
11 urgent findings need attention
1 critical · 10 high
- + 3 more findings in the full report below
Keep credit24.ee under constant watch
Guard tracks your live infrastructure daily: certificate expiry, DNS & mail authentication drift, uptime changes, subdomain inventory, and unexpected tracker or content shifts. A full timeline captures every diff so you can prove remediation and spot regressions instantly.
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
8 findings
15/100
GDPR Compliance
3 findings
40/100
NIS2 Compliance
8 findings
17/100
Email Security
6 findings
55/100
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Business Intelligence
Market & Strategic Analysis
Credit24 targets Estonian consumers seeking flexible credit solutions, leveraging an online platform to provide credit lines and various loan types. The business model focuses on consumer lending with transparent terms and competitive APRs. The company benefits from a multi-country footprint, enhancing brand recognition and operational scale. Partnerships with Creditea brands expand market reach. The website content and structure support clear communication of services and legal compliance, fostering trust. Revenue streams are primarily from interest and fees on credit products. Growth indicators include active marketing and regional expansion. The company maintains professional contact channels and social media engagement, supporting customer service and brand awareness.
Extracted Contact Information
Marketing Intelligence Data
Physical Addresses (1)
Security Posture Analysis
Comprehensive Security Assessment
The website exhibits a solid security foundation with HTTPS and multiple security headers implemented, reducing risks of common web attacks. Cookie consent and privacy policies align with GDPR requirements, indicating good data protection practices. However, the absence of a dedicated security policy or vulnerability disclosure program limits transparency on security governance. No incident response contacts or security.txt files were found, which could be improved to enhance readiness and trust. No vulnerabilities or exposed sensitive data were detected in the HTML content. The use of reputable third-party analytics and advertising scripts is noted, but continuous monitoring for library vulnerabilities is recommended. Overall, the security posture is good but could benefit from enhanced policy disclosures and incident management transparency.
Strategic Recommendations
Priority Actions for Security Improvement
Publish a dedicated security policy page outlining security governance and controls.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
IPF Digital AS
Credit24 offers credit services based on a credit account (credit line) limit. They provide loans such as credit accounts, repair loans, car loans, travel loans, wedding loans, health and beauty loans, and small loans. The service targets consumers in Estonia.
good
consistent
Technical Stack
fast
good
good
good
Security Assessment
- HTTPS enforced
- Cookie consent implemented
- No exposed sensitive data in HTML
- Use of modern frameworks and libraries
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is professionally designed and well-structured.
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🛡️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
Sensitive data may be cached
LOWCache-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
No Privacy Policy found
HIGHGDPR requires a clear and accessible privacy policy
EU business without adequate privacy measures
CRITICALEU businesses are subject to strict GDPR requirements
Third-party services without privacy policy
HIGHDetected services: Google Analytics, Facebook
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
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📧Email Security
SPF, DKIM, and DMARC validation and email security assessment.
Email Security
SPF, DKIM, and DMARC validation
DMARC not enforcing
MEDIUMDMARC policy is set to "none"
No DMARC reporting
LOWDMARC aggregate reports not configured
No DKIM record found
MEDIUMDKIM adds cryptographic signatures to emails
No BIMI Record
LOWBIMI displays brand logos in email clients
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
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
Certificate Transparency Not Implemented
LOWCertificate is not logged in Certificate Transparency logs
Partial SSL/TLS Assessment
LOWCompleted 3 of 4 security checks due to time constraints
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 Transfer Lock Not Enabled
MEDIUMDomain can be transferred without authorization
Domain Delete Lock Not Enabled
LOWDomain can be deleted without additional verification
DMARC Policy Set to None
LOWDMARC is configured but not enforcing any policy
Domain Registration Details
- •No domain protection locks enabled
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
How does credit24.ee compare?
See how credit24.ee stacks up against similar websites in the same industry.
🔧Technical Analysis
Detailed technical findings and analysis from AI assessment.
Technical Analysis
Comprehensive security assessment findings
Additional Findings
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PDF Report & Export
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Marketing Intelligence
Contact emails, phone numbers & warm leads
Plan Comparison
| Feature | PDF Report | Marketing+ |
|---|---|---|
| Full security analysis | ||
| Professional PDF export | ||
| Email delivery | ||
| Lifetime access + unlock code | ||
| Contact emails & phones | — | |
| Marketing outreach data | — |
Already purchased?
Order summary
Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.
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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