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Is fmo.nl a Scam? Security Check Results - FMO

fmo.nl Security Report Summary

fmo.nl received a security score of 71 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers FMO's website security posture. FMO operates in the Finance industry in Netherlands.

FMO is the Dutch entrepreneurial development bank with over 50 years of experience investing sustainably in emerging markets. The organization supports economic development by financing projects in sectors such as energy, financial institutions, and agribusiness across more than 85 countries. Their business model focuses on partnering with other financiers to open new markets and take on challenging investments with significant risk exposure. The website reflects a mature, professional institution with clear communication and comprehensive information for partners and stakeholders. Technically, the website uses a modern CMS (Procurios), integrates YouTube videos via privacy-enhanced domains, and employs Google Tag Manager for analytics and tracking. The site is mobile-optimized, accessible, and SEO-friendly, with good performance and structured navigation. Privacy and cookie policies are clearly presented with consent mechanisms, indicating compliance with GDPR requirements. From a security perspective, the site enforces HTTPS, uses privacy-conscious embedded content, and implements cookie consent. However, explicit security policies, incident response details, and vulnerability disclosure mechanisms are not publicly available, representing an area for improvement. No vulnerabilities or exposed sensitive data were detected in the content. Overall, the website is trustworthy, professional, and well-maintained, supporting the organization's credibility and mission. Strategic recommendations include publishing security policies, adding vulnerability disclosure information, and enhancing security header visibility to further strengthen the security posture.

The security scan identified 26 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: YouTube iframe API, Google Tag Manager, Procurios CMS, Prototype JS, AMD Loader.

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 fmo.nl Safe? Security Analysis for FMO

https://fmo.nl

Check if fmo.nl is a scam or legitimate. Free security scan and reviews.

FinanceNetherlandslarge
YouTube iframe APIGoogle Tag ManagerProcurios CMSPrototype JSAMD Loader
Analyzed 10/21/2025Completed 2:34:59 AM5mo ago
71
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Domainfmo.nl
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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

FMO is the Dutch entrepreneurial development bank with over 50 years of experience investing sustainably in emerging markets. The organization supports economic development by financing projects in sectors such as energy, financial institutions, and agribusiness across more than 85 countries. Their business model focuses on partnering with other financiers to open new markets and take on challenging investments with significant risk exposure. The website reflects a mature, professional institution with clear communication and comprehensive information for partners and stakeholders. Technically, the website uses a modern CMS (Procurios), integrates YouTube videos via privacy-enhanced domains, and employs Google Tag Manager for analytics and tracking. The site is mobile-optimized, accessible, and SEO-friendly, with good performance and structured navigation. Privacy and cookie policies are clearly presented with consent mechanisms, indicating compliance with GDPR requirements. From a security perspective, the site enforces HTTPS, uses privacy-conscious embedded content, and implements cookie consent. However, explicit security policies, incident response details, and vulnerability disclosure mechanisms are not publicly available, representing an area for improvement. No vulnerabilities or exposed sensitive data were detected in the content. Overall, the website is trustworthy, professional, and well-maintained, supporting the organization's credibility and mission. Strategic recommendations include publishing security policies, adding vulnerability disclosure information, and enhancing security header visibility to further strengthen the security posture.

Detected Technologies

YouTube iframe APIGoogle Tag ManagerProcurios CMSPrototype JSAMD Loader

6 urgent findings need attention

6 high

Continuous monitoring

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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

2 findings

85/100

GDPR Compliance

2 findings

83/100

NIS2 Compliance

8 findings

7/100

Email Security

4 findings

70/100

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

FMO holds a strong market position as a Dutch development bank specializing in sustainable investments in emerging markets. Their competitive advantage lies in their extensive experience, risk appetite, and ability to partner with other financiers to unlock new opportunities. The business model is centered on impact investing across key sectors such as energy, financial institutions, and agribusiness. Revenue streams likely include returns on investments and management of public funds. Target customers include financial institutions, project developers, and development organizations. Growth indicators include active public procurement opportunities and a global presence with offices in multiple countries. The partnership ecosystem is robust, with social media engagement and transparent communication channels. The website content and structure reflect a mature and stable organization with a clear strategic focus.

Extracted Contact Information

Marketing Intelligence Data

Security Posture Analysis

Comprehensive Security Assessment

The current security maturity level is good, with HTTPS enforced and privacy-conscious embedding of third-party content. Cookie consent mechanisms are implemented, supporting GDPR compliance. No critical vulnerabilities or exposed sensitive data were found. However, the absence of a publicly available security policy, incident response plan, and vulnerability disclosure process limits transparency and readiness perception. The use of Google Tag Manager introduces moderate tracking but is managed with user consent. The organization should consider publishing explicit security documentation and providing dedicated security contact channels to improve incident response readiness and security culture. Overall, the security posture is solid but can be enhanced with better communication and formalized policies.

Strategic Recommendations

Priority Actions for Security Improvement

1

Publish a comprehensive security policy and incident response plan on the website.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

FMO

Description:

FMO is the Dutch entrepreneurial development bank with over 50 years of expertise in sustainable private sector investments in emerging markets. They invest in over 85 countries supporting jobs, income generation, and improving lives. They partner with others to lower thresholds for financiers and open new markets, taking on challenging investments and significant risk.

Key Services:
Investment in energy projectsInvestment in financial institutionsInvestment in agribusiness, food & forestryPublic procurement opportunities
Content Quality:

excellent

Branding:

consistent

Technical Stack

Technologies:
YouTube iframe APIGoogle Tag ManagerProcurios CMSPrototype JSAMD Loader
Frameworks:
Procurios 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 YouTube nocookie domain for embedded videos

Analytics & Tracking

Services:
Google Analytics (via GTM)
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Transparency Level:good

Website Quality Assessment

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

Key Observations

1

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

85/100
Score

Weak X-XSS-Protection configuration

LOW

Current value: "1"

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

83/100
Score

No Data Protection Officer mentioned

LOW

Large organizations may need to designate a DPO under GDPR

Privacy policy may not be GDPR compliant

MEDIUM

Privacy policy lacks explicit GDPR compliance elements

GDPR Compliance Analysis

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

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

7/100
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

Critical sector without clear security compliance

HIGH

Detected 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

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 include:spf.protection.outlook.com ip4:217.166.66.50 ip4:212.78.188.18 ip4:194.165.34.0/24 include:_spf.argewebhosting.nl ~all
DNS Lookups:2/10
Policy:~all
DMARC Details
Policy:quarantine
Aggregate Reports:b44b4d97584a144@rep.dmarcanalyzer.com
Forensic Reports:b44b4d97584a144@for.dmarcanalyzer.com

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

62/100
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 81 days

Mixed Content Detected

MEDIUM

1 resources loaded over insecure HTTP

Partial SSL/TLS Assessment

LOW

Completed 3 of 4 security checks due to time constraints

Protocol Support

TLSv1.2TLSv1.3TLSv1.1

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

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

Domain Registration Details

Domain Age
27 years(mature)
Protection Level
noneDNSSEC OFF
Suspicious Indicators Detected
  • No domain protection locks enabled

DNS Records

A Records:87.233.190.12
Name Servers:
ns1-32.azure-dns.comDNS only
ns2-32.azure-dns.netDNS only
ns3-32.azure-dns.orgDNS only
ns4-32.azure-dns.infoDNS only
MX Records:
1: fmo-nl.mail.protection.outlook.com

DNSSEC Status

DNSSEC Not Enabled

SPF Analysis

SPF Record:
v=spf1 include:spf.protection.outlook.com ip4:217.166.66.50 ip4:212.78.188.18 ip4:194.165.34.0/24 include:_spf.argewebhosting.nl ~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 fmo.nl compare?

See how fmo.nl 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 Procurios CMS platform, utilizing modern JavaScript libraries such as Prototype.js and AMD Loader. It integrates YouTube videos via the privacy-enhanced youtube-nocookie.com domain and uses Google Tag Manager for analytics and tracking. The site is mobile-optimized with responsive design and good accessibility features. Performance is moderate, with asynchronous loading of scripts and optimized CSS. The technical infrastructure is stable and well-maintained, though hosting provider details are not explicitly identified. Opportunities exist to improve security header implementation and to formalize technical documentation related to security and privacy.
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Marketing Intelligence

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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

Domainfmo.nl
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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