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Is fina.hr a Scam? Security Check Results - Fina

fina.hr Security Report Summary

fina.hr received a security score of 62 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers Fina's website security posture. Fina operates in the Finance industry in Croatia.

Fina is a well-established Croatian financial agency providing a broad range of digital and financial services to businesses, citizens, and public institutions. The website reflects a mature digital presence with comprehensive service offerings such as e-invoicing, digital archiving, factoring platforms, and payment systems. The company positions itself as a reliable national partner with extensive physical presence and digital accessibility. Technically, the website uses modern web technologies including Ibexa CMS, Bootstrap, and Google Tag Manager, ensuring good performance, mobile optimization, and accessibility. Security posture is solid with HTTPS enforced and cookie consent implemented, though explicit security policies and vulnerability disclosure mechanisms are not publicly available. Overall, the domain registration data aligns well with the website content, confirming legitimacy and trustworthiness.

The security scan identified 30 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: JavaScript, Google Tag Manager, Google Fonts, Bootstrap (offcanvas, buttons), Swiper.js (carousel), Netgen Layouts, Ibexa CMS.

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 fina.hr Safe? Security Analysis for Fina

https://fina.hr

Check if fina.hr is a scam or legitimate. Free security scan and reviews.

FinanceCroatialarge
JavaScriptGoogle Tag ManagerGoogle FontsBootstrap (offcanvas, buttons)Swiper.js (carousel)+2 more
Analyzed 10/31/2025Completed 9:55:40 PM4mo ago
62
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Domainfina.hr
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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

Fina is a well-established Croatian financial agency providing a broad range of digital and financial services to businesses, citizens, and public institutions. The website reflects a mature digital presence with comprehensive service offerings such as e-invoicing, digital archiving, factoring platforms, and payment systems. The company positions itself as a reliable national partner with extensive physical presence and digital accessibility. Technically, the website uses modern web technologies including Ibexa CMS, Bootstrap, and Google Tag Manager, ensuring good performance, mobile optimization, and accessibility. Security posture is solid with HTTPS enforced and cookie consent implemented, though explicit security policies and vulnerability disclosure mechanisms are not publicly available. Overall, the domain registration data aligns well with the website content, confirming legitimacy and trustworthiness.

Detected Technologies

JavaScriptGoogle Tag ManagerGoogle FontsBootstrap (offcanvas, buttons)Swiper.js (carousel)Netgen LayoutsIbexa CMS

11 urgent findings need attention

1 critical · 10 high

  • + 3 more findings in the full report below
Continuous monitoring

Keep fina.hr 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

5 findings

65/100

GDPR Compliance

5 findings

10/100

NIS2 Compliance

9 findings

2/100

Email Security

3 findings

72/100

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

Fina operates in the finance and government sectors, serving a large national market with digital transformation services. Its business model focuses on providing essential digital infrastructure and financial services, including electronic invoicing and public service platforms. The company leverages partnerships with public institutions and maintains a strong brand presence supported by social media and user engagement initiatives. The website content and structure indicate a customer-centric approach targeting businesses, citizens, and government bodies. The long domain age and consistent WHOIS data reinforce its established market position.

Security Posture Analysis

Comprehensive Security Assessment

The website demonstrates a good security baseline with HTTPS and cookie consent mechanisms. However, it lacks publicly visible detailed security policies, incident response contacts, and a security.txt file, which are recommended best practices. No vulnerabilities or exposed sensitive data were detected in the HTML content. The use of third-party scripts like Google Tag Manager is standard but should be regularly audited. The absence of advanced security headers such as CSP and X-Frame-Options suggests room for improvement. Overall, the security posture is adequate for a government-affiliated financial service provider but could be enhanced with more explicit policies and controls.

Strategic Recommendations

Priority Actions for Security Improvement

1

Publish a dedicated security policy page detailing security frameworks and practices.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Fina

Description:

Fina is a reliable partner for citizens, companies, financial institutions, and state and public bodies, providing digital and financial services.

Key Services:
e-Račun (e-Invoice)e-Arhiv (e-Archive)Faktoring platforma (Factoring platform)Digital certificatesPayment systemsPublic services for businesses and citizens
Content Quality:

excellent

Branding:

consistent

Technical Stack

Technologies:
JavaScriptGoogle Tag ManagerGoogle FontsBootstrap (offcanvas, buttons)Swiper.js (carousel)Netgen LayoutsIbexa CMS
Frameworks:
Bootstrap
Platforms:
Ibexa DXP (CMS)
Performance:

moderate

Mobile:

good

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
85/100
Best Practices:
  • HTTPS enforced
  • Cookie consent mechanism implemented
  • No exposed sensitive data in HTML
  • Use of secure forms with proper labels

Analytics & Tracking

Services:
Google Tag Manager
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Transparency Level:basic

Website Quality Assessment

Design Quality:excellent
User Experience:excellent
Content Relevance:excellent
Navigation Clarity:excellent
Professionalism:excellent
Trustworthiness:high

Key Observations

1

Website is fully accessible with rich content and no blocking detected.

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

65/100
Score

Weak Strict-Transport-Security configuration

LOW

Current value: "max-age=16070400; includeSubDomains"

Missing X-Content-Type-Options header

MEDIUM

Prevents MIME type sniffing

Missing X-XSS-Protection header

MEDIUM

Legacy XSS protection (deprecated but still recommended)

Missing Referrer-Policy header

LOW

Controls referrer information sent with requests

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

10/100
Score

No Privacy Policy found

HIGH

GDPR requires a clear and accessible privacy policy

No Cookie Policy found

HIGH

GDPR requires clear information about cookie usage

No Cookie Consent Banner found

HIGH

GDPR requires explicit consent for non-essential cookies

EU business without adequate privacy measures

CRITICAL

EU businesses are subject to strict GDPR requirements

Third-party services without privacy policy

HIGH

Detected services: Google Analytics, Facebook, LinkedIn, YouTube, Google APIs

GDPR Compliance Analysis

Privacy Policy0% confidence
Cookie Policy0% 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: transport, digital

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📧Email Security

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

Email Security

SPF, DKIM, and DMARC validation

72/100
Score

DMARC not enforcing

MEDIUM

DMARC policy is set to "none"

No DKIM record found

MEDIUM

DKIM adds cryptographic signatures to emails

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 ip4:89.249.110.179 ip4:89.249.110.135 ip4:89.249.110.243 include:spf.protection.outlook.com -all
DNS Lookups:2/10
Policy:-all
DMARC Details
Policy:none
Aggregate Reports:postmaster@fina.hr
MTA-STS Details

🏆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

80/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

DMARC Policy Set to None

LOW

DMARC is configured but not enforcing any policy

Domain Registration Details

Domain Age
23 years(mature)
Expiry Risk
medium(expired)

DNS Records

A Records:85.209.15.131
Name Servers:
dns1.hitronet.hr
dns2.hitronet.hr
dns3.hitronet.hr
MX Records:
10: mail.fina.hr
SOA:Serial: 2025101412, TTL: 3600s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:39ms

SPF Analysis

SPF Record:
v=spf1 mx ip4:89.249.110.179 ip4:89.249.110.135 ip4:89.249.110.243 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 fina.hr compare?

See how fina.hr 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 built on the Ibexa CMS platform with modern front-end technologies including Bootstrap and Swiper.js for UI components. It uses Google Fonts and Google Tag Manager for typography and analytics respectively. The site is mobile optimized with accessibility features such as font size adjustment, contrast toggling, and dyslexia mode. Performance is moderate with asynchronous loading of scripts and styles. The technical infrastructure supports a rich content experience with multi-level navigation and dynamic content blocks. Hosting details are not explicitly disclosed but the domain is registered with a reputable Croatian registrar. Overall, the technical implementation is robust and aligned with contemporary web standards.
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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

Domainfina.hr
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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