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Is creditreform.rs a Scam? Security Check Results - Creditreform d.o.o.

creditreform.rs Security Report Summary

creditreform.rs received a security score of 71 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers Creditreform d.o.o.'s website security posture. Creditreform d.o.o. operates in the Finance industry in Serbia.

Creditreform d.o.o. is a well-established financial services company operating in Serbia since 1992, specializing in creditworthiness assessment, risk evaluation, debt collection, and market analysis. The company is part of the broader Creditreform network, serving business clients seeking reliable credit and risk information. The website reflects a professional B2B service provider with a clear focus on the Serbian market and regional partnerships. Technically, the site is built on TYPO3 CMS and integrates modern cookie consent management via Cookiebot, ensuring GDPR compliance. The infrastructure is hosted by a local cloud provider, with a moderate performance profile and good mobile optimization. Security posture is solid with HTTPS enforced and cookie consent implemented, though improvements in security headers and explicit security policies are recommended. Overall, the website is trustworthy, compliant, and professionally maintained, supporting the company's market position and business credibility.

The security scan identified 27 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: TYPO3 CMS, Cookiebot, Swiper.js, jQuery (implied by TYPO3 typical usage).

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 creditreform.rs Safe? Security Analysis for Creditreform d.o.o.

https://creditreform.rs

Check if creditreform.rs is a scam or legitimate. Free security scan and reviews.

FinanceSerbiamedium
TYPO3 CMSCookiebotSwiper.jsjQuery (implied by TYPO3 typical usage)
Analyzed 7/25/2025Completed 2:38:35 AM8mo ago
71
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Order summary

Domaincreditreform.rs
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

AI Summary

Creditreform d.o.o. is a well-established financial services company operating in Serbia since 1992, specializing in creditworthiness assessment, risk evaluation, debt collection, and market analysis. The company is part of the broader Creditreform network, serving business clients seeking reliable credit and risk information. The website reflects a professional B2B service provider with a clear focus on the Serbian market and regional partnerships. Technically, the site is built on TYPO3 CMS and integrates modern cookie consent management via Cookiebot, ensuring GDPR compliance. The infrastructure is hosted by a local cloud provider, with a moderate performance profile and good mobile optimization. Security posture is solid with HTTPS enforced and cookie consent implemented, though improvements in security headers and explicit security policies are recommended. Overall, the website is trustworthy, compliant, and professionally maintained, supporting the company's market position and business credibility.

Detected Technologies

TYPO3 CMSCookiebotSwiper.jsjQuery (implied by TYPO3 typical usage)

7 urgent findings need attention

7 high

Continuous monitoring

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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

3 findings

70/100

GDPR Compliance

1 finding

95/100

NIS2 Compliance

9 findings

2/100

Email Security

3 findings

85/100

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

The company holds a strong market position in Serbia's financial services sector, leveraging the international Creditreform brand. Its business model focuses on providing credit risk and debt collection services to other businesses, indicating a B2B revenue stream. The presence of multiple related domains in the cookie consent list suggests a broad partnership ecosystem within the Creditreform group, enhancing service reach and credibility. The website content and structure indicate a medium-sized enterprise with consistent branding and good content quality. The company targets businesses requiring credit risk assessment and debt recovery solutions, positioning itself as a trusted partner in financial risk management.

Extracted Contact Information

Marketing Intelligence Data

Physical Addresses (1)

Security Posture Analysis

Comprehensive Security Assessment

The website demonstrates a mature security posture with mandatory HTTPS and a comprehensive cookie consent mechanism aligned with GDPR requirements. However, explicit security policies, incident response contacts, and advanced security headers like Content-Security-Policy are not publicly disclosed, representing areas for enhancement. No vulnerabilities or exposed sensitive data were detected in the HTML content. The domain registration is consistent and transparent, further supporting trustworthiness. Overall, the security maturity is good but can be improved by adopting additional best practices and publishing security-related policies.

Strategic Recommendations

Priority Actions for Security Improvement

1

Implement and enforce security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to enhance protection against common web attacks.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Creditreform d.o.o.

Description:

Creditreform d.o.o. operates in Serbia since 1992, providing creditworthiness assessment, risk evaluation, debt collection, and market analysis services.

Key Services:
Creditworthiness assessmentRisk evaluationDebt collectionMarket analysis
Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:
TYPO3 CMSCookiebotSwiper.jsjQuery (implied by TYPO3 typical usage)
Frameworks:
TYPO3 CMS
Performance:

moderate

Mobile:

good

Accessibility:

basic

SEO:

good

Security Assessment

Security Score:
75/100
Best Practices:
  • HTTPS enforced
  • Cookie consent implemented
  • No exposed sensitive data in HTML

Analytics & Tracking

Services:
Google Analytics
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Ad Networks:
Google
Tracking Pixels:
Cookiebot
Marketing Tools:
Cookiebot
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 uses TYPO3 CMS with modern cookie consent via Cookiebot.

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

70/100
Score

Missing Content-Security-Policy header

HIGH

Controls resources the browser is allowed to load

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

95/100
Score

No Data Protection Officer mentioned

LOW

Large organizations may need to designate a DPO under GDPR

GDPR Compliance Analysis

Privacy Policy85% confidence
Cookie Policy85% confidence
Contact Information Found90% confidence
phone

🛡️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: energy, transport, banking, health, digital

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📧Email Security

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

Email Security

SPF, DKIM, and DMARC validation

85/100
Score

No BIMI Record

LOW

BIMI displays brand logos in email clients

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 include:spf.protection.outlook.com -all
DNS Lookups:1/10
Policy:-all
DKIM Selectors Found
Selector:default(1416-bit rsa)

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

72/100
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

SSL Certificate Expires Within 90 Days

MEDIUM

SSL certificate expires in 31 days

Partial SSL/TLS Assessment

LOW

Completed 3 of 4 security checks due to time constraints

Protocol Support

TLSv1.3TLSv1.2TLSv1.1

OCSP Status

OCSP Stapling Disabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

60/100
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 Transfer Lock Not Enabled

MEDIUM

Domain can be transferred without authorization

Domain Delete Lock Not Enabled

LOW

Domain can be deleted without additional verification

No DMARC Record

MEDIUM

DMARC policy not configured

Domain Registration Details

Domain Age
16 years(mature)
Expiry Risk
none(191 days)
Protection Level
noneDNSSEC OFF
Suspicious Indicators Detected
  • No domain protection locks enabled

DNS Records

A Records:194.55.199.89
Name Servers:
ns1.cpanelhosting.rsDNS only
ns2.cpanelhosting.rsDNS only
ns3.cpanelhosting.rsDNS only
MX Records:
0: creditreform-rs.mail.protection.outlook.com
SOA:Serial: 2025060303, TTL: 86400s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:305ms

SPF Analysis

SPF Record:
v=spf1 include:spf.protection.outlook.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

How does creditreform.rs compare?

See how creditreform.rs 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

The website is powered by TYPO3 CMS, a robust and scalable content management system suitable for enterprise use. It uses modern frontend libraries such as Swiper.js for interactive elements and Cookiebot for cookie consent management. Hosting is provided by a local cloud services company, ensuring regional compliance and performance. The site shows good mobile optimization and SEO practices, including structured data (JSON-LD) for search engines. Performance is moderate, with potential improvements in loading speed and accessibility. The technical stack is modern and well-maintained, with opportunities to enhance security headers and accessibility compliance.
Professional PDF & Marketing Data

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PDF Report & Export

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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

Domaincreditreform.rs
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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