Is ferratum.ee Safe? Security Analysis for Multitude Bank p.l.c.
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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
Ferratum, operated by Multitude Bank p.l.c., is a well-established financial services provider specializing in quick and flexible online loans primarily targeting Estonian customers. The company is part of the larger Multitude Group, with a strong market presence since 2005 and operations in multiple countries. Their website offers a user-friendly experience with clear loan products, responsible lending information, and customer engagement through blogs and reviews. Technically, the site leverages modern frameworks such as Next.js and React, integrates third-party services like Salesforce chat and EmbedSocial reviews, and maintains good performance and mobile optimization. Security posture is strong with HTTPS, security headers, and secure identification methods, although explicit security policies and incident response contacts are not published. Overall, the site demonstrates a mature digital presence with high trustworthiness and compliance with privacy regulations.
Detected Technologies
12 urgent findings need attention
1 critical · 11 high
- + 4 more findings in the full report below
Keep ferratum.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
25/100
GDPR Compliance
3 findings
40/100
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
Ferratum's market positioning as a quick loan provider is supported by its parent company Multitude Group, which lends credibility and scale. The business model focuses on online lending with flexible credit limits, targeting individuals with fluctuating incomes or urgent financial needs. Revenue streams likely include interest and fees on loans. The company emphasizes responsible lending and customer education, which enhances its reputation. Partnerships with Salesforce and EmbedSocial indicate a focus on customer service and social proof. The presence of legal documents and regulatory compliance signals a well-managed operation. Growth indicators include a large customer base and multi-country presence.
Extracted Contact Information
Marketing Intelligence Data
Physical Addresses (1)
Company Registration
Multitude Bank p.l.c.
C56251
Security Posture Analysis
Comprehensive Security Assessment
The website exhibits a solid security foundation with enforced HTTPS, comprehensive security headers, and secure user identification methods. No exposed sensitive data or vulnerable libraries were detected. However, the absence of a dedicated security policy page, incident response contacts, or vulnerability disclosure mechanisms suggests room for improvement in transparency and readiness. The cookie consent mechanism and GDPR compliance are well implemented. Overall, the security maturity is good but could be enhanced by publishing more explicit security governance information.
Strategic Recommendations
Priority Actions for Security Improvement
Publish a dedicated security policy and incident response page to improve transparency and user trust.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
Multitude Bank p.l.c.
Pakume kiireid laene, mugavalt interneti teel. Läbipaistvad tingimused teie rahaashade haldamisel. Tutvuge meie toodetega
good
consistent
Technical Stack
fast
excellent
good
good
Security Assessment
- HTTPS enforced
- Security headers present
- No exposed sensitive data in HTML
- Use of secure identification methods (Smart-ID, ID-card, Mobile-ID)
- Cookie consent mechanism implemented
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website offers quick and flexible loan services primarily for Estonian customers
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🛡️Security Headers
HTTP security headers analysis and recommendations.
Security Headers
HTTP security headers analysis
Weak Strict-Transport-Security configuration
LOWCurrent value: "max-age=15724800; includeSubDomains"
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, LinkedIn
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: energy, transport, banking, digital
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📧Email Security
SPF, DKIM, and DMARC validation and email security assessment.
Email Security
SPF, DKIM, and DMARC validation
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
DKIM Selectors Found
🏆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
SSL Certificate Expires Within 90 Days
MEDIUMSSL certificate expires in 74 days
Weak SSL Key Length
HIGHSSL certificate uses 256-bit key, which is considered weak
Mixed Content Detected
MEDIUM1 resources loaded over insecure HTTP
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
No DMARC Record
MEDIUMDMARC policy not configured
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 ferratum.ee compare?
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🔧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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