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Is creditreform.sk a Scam? Security Check Results - Creditreform s.r.o.

creditreform.sk Security Report Summary

creditreform.sk received a security score of 72 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers Creditreform s.r.o.'s website security posture. Creditreform s.r.o. operates in the Finance industry in Slovakia.

Creditreform s.r.o. is a Slovak-based financial services company specializing in creditworthiness assessment, risk evaluation, debt collection, and insolvency services. The company targets business clients seeking reliable credit and risk information to support their commercial decisions. The website reflects a professional and consistent brand presence, offering services in multiple languages and maintaining a regional network of related domains and partners. Technically, the site is built on TYPO3 CMS, leveraging modern frontend libraries such as Swiper.js and Cookiebot for consent management, indicating a mature digital infrastructure. Security posture is strong with HTTPS enforcement and standard security headers, though explicit security and incident response policies are not publicly visible. Privacy compliance is well addressed through a comprehensive cookie consent mechanism aligned with GDPR requirements. Overall, the website demonstrates a solid business credibility and technical foundation with room for improvement in accessibility and explicit policy disclosures.

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

Technologies detected: TYPO3 CMS, jQuery, Swiper.js, Cookiebot (consent management), Google Analytics.

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.sk Safe? Security Analysis for Creditreform s.r.o.

https://creditreform.sk

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

FinanceSlovakiamedium
TYPO3 CMSjQuerySwiper.jsCookiebot (consent management)Google Analytics
Analyzed 7/25/2025Completed 1:33:26 AM8mo ago
72
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Order summary

Domaincreditreform.sk
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.

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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

Creditreform s.r.o. is a Slovak-based financial services company specializing in creditworthiness assessment, risk evaluation, debt collection, and insolvency services. The company targets business clients seeking reliable credit and risk information to support their commercial decisions. The website reflects a professional and consistent brand presence, offering services in multiple languages and maintaining a regional network of related domains and partners. Technically, the site is built on TYPO3 CMS, leveraging modern frontend libraries such as Swiper.js and Cookiebot for consent management, indicating a mature digital infrastructure. Security posture is strong with HTTPS enforcement and standard security headers, though explicit security and incident response policies are not publicly visible. Privacy compliance is well addressed through a comprehensive cookie consent mechanism aligned with GDPR requirements. Overall, the website demonstrates a solid business credibility and technical foundation with room for improvement in accessibility and explicit policy disclosures.

Detected Technologies

TYPO3 CMSjQuerySwiper.jsCookiebot (consent management)Google Analytics

7 urgent findings need attention

7 high

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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

2 findings

75/100

GDPR Compliance

1 finding

95/100

NIS2 Compliance

9 findings

2/100

Email Security

4 findings

70/100

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

Creditreform s.r.o. operates in the finance sector, focusing on credit risk and debt management services. Its business model is B2B, serving companies that require credit reports, risk assessments, and debt collection solutions. The company benefits from a broad regional presence, as evidenced by multiple related domains across Europe, suggesting a strong partnership ecosystem. The website content and structure support clear communication of services and contact information, enhancing customer trust. The absence of explicit terms of service and security policies may be an area for future enhancement to meet evolving compliance standards. The company appears well-positioned in its market niche with a professional digital footprint.

Extracted Contact Information

Marketing Intelligence Data

Company Registration

Legal Name:

Creditreform s.r.o.

VAT Number:

SK2120861996

Registration Number:

IČ 51945860

Security Posture Analysis

Comprehensive Security Assessment

The website employs HTTPS with good SSL configuration and includes several security headers such as Strict-Transport-Security and X-Content-Type-Options, which help mitigate common web vulnerabilities. The use of Cookiebot for cookie consent demonstrates attention to privacy and regulatory compliance. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. However, the lack of publicly accessible security policies and incident response contacts limits transparency in security governance. The site would benefit from publishing a security.txt file and detailed security and incident response documentation to enhance trust and preparedness. Overall, the security posture is solid but could be improved with better policy visibility and accessibility compliance.

Strategic Recommendations

Priority Actions for Security Improvement

1

Publish explicit terms of service and security policy pages to improve transparency and compliance.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Creditreform s.r.o.

Description:

Creditreform s.r.o. provides creditworthiness and risk assessment services, debt collection, monitoring, and insolvency services primarily for business clients. They offer domestic and international reports, quick checks, and detailed analyses in multiple languages.

Key Services:
Solventnosť & posúdenie rizík (Creditworthiness & Risk Assessment)Správa pohľadávok (Debt Collection)Insolvencie (Insolvency Services)Monitoring
Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:
TYPO3 CMSjQuerySwiper.jsCookiebot (consent management)Google Analytics
Frameworks:
TYPO3
Performance:

moderate

Mobile:

good

Accessibility:

basic

SEO:

good

Security Assessment

Security Score:
85/100
Best Practices:
  • HTTPS enforced
  • Cookie consent with opt-in/out
  • No exposed sensitive data in HTML
  • Secure forms with consent checkboxes

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 frontend technologies

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

75/100
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

👤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
emailphoneform

🛡️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

70/100
Score

No DKIM record found

MEDIUM

DKIM adds cryptographic signatures to emails

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 mx ip4:217.28.60.203/29 a:mail.crefo.cz a:test-mail.crefo.cz a:mail.envox.lv -all
DNS Lookups:4/10
Policy:-all

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

77/100
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

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

75/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

No DMARC Record

MEDIUM

DMARC policy not configured

DNS Records

A Records:194.55.199.23
Name Servers:
ns.ltc.skDNS only
ns1.ltc.skDNS only
ns2.ltc.skDNS only
MX Records:
10: tuxecoa008.ecofis.de
SOA:Serial: 2025021902, TTL: 86400s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:141ms

SPF Analysis

SPF Record:
v=spf1 mx ip4:217.28.60.203/29 a:mail.crefo.cz a:test-mail.crefo.cz a:mail.envox.lv -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.sk compare?

See how creditreform.sk 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 technologies including Swiper.js for interactive elements and Cookiebot for GDPR-compliant cookie management. The site is mobile-optimized with responsive design and includes SEO-friendly meta tags and structured data (JSON-LD) for enhanced search engine visibility. Performance appears moderate, with compressed CSS assets and lazy loading of fonts and images. Accessibility is basic, with some ARIA roles and labels present but could be improved. No major technical debt or outdated libraries were detected, indicating a well-maintained infrastructure. Opportunities exist to improve security headers and accessibility compliance further.
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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.sk
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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