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Is hblsolutions.ch a Scam? Security Check Results - HBL Solutions

hblsolutions.ch Security Report Summary

hblsolutions.ch received a security score of 61 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers HBL Solutions's website security posture. HBL Solutions operates in the Finance industry in Switzerland.

HBL Solutions is a Swiss Banking-as-a-Service provider operating under the regulated banking license of Hypothekarbank Lenzburg AG. The company specializes in embedding banking products such as accounts, cards, payments, securities portfolios, and pension plans into the digital customer journeys of partner companies. Their market position is that of a Swiss pioneer in embedded and open finance, supported by a robust banking infrastructure and regulatory compliance. Technically, the website is built on Umbraco CMS with modern JavaScript libraries like Swiper.js and jQuery, and employs Cookiebot for GDPR-compliant cookie consent management. However, the absence of a valid SSL certificate is a critical security gap. The security posture shows strengths in regulatory compliance and consent management but weaknesses in transport security and DNS security features. Overall, the business is well-positioned in the Swiss finance sector with a clear focus on embedded finance, but should urgently address SSL and DNS security to improve trust and compliance.

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

Technologies detected: Umbraco CMS, jQuery, jQuery Validate, Swiper.js, Cookiebot, Google Tag Manager.

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 hblsolutions.ch Safe? Security Analysis for HBL Solutions

https://hblsolutions.ch

Check if hblsolutions.ch is a scam or legitimate. Free security scan and reviews.

FinanceSwitzerlandmedium
Umbraco CMSjQueryjQuery ValidateSwiper.jsCookiebot+1 more
Analyzed 6/14/2025Completed 6:44:15 PM9mo ago
61
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Domainhblsolutions.ch
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

HBL Solutions is a Swiss Banking-as-a-Service provider operating under the regulated banking license of Hypothekarbank Lenzburg AG. The company specializes in embedding banking products such as accounts, cards, payments, securities portfolios, and pension plans into the digital customer journeys of partner companies. Their market position is that of a Swiss pioneer in embedded and open finance, supported by a robust banking infrastructure and regulatory compliance. Technically, the website is built on Umbraco CMS with modern JavaScript libraries like Swiper.js and jQuery, and employs Cookiebot for GDPR-compliant cookie consent management. However, the absence of a valid SSL certificate is a critical security gap. The security posture shows strengths in regulatory compliance and consent management but weaknesses in transport security and DNS security features. Overall, the business is well-positioned in the Swiss finance sector with a clear focus on embedded finance, but should urgently address SSL and DNS security to improve trust and compliance.

Detected Technologies

Umbraco CMSjQueryjQuery ValidateSwiper.jsCookiebotGoogle Tag Manager

9 urgent findings need attention

1 critical · 8 high

  • + 1 more findings in the full report below
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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

5 findings

60/100

GDPR Compliance

5 findings

43/100

NIS2 Compliance

7 findings

25/100

Email Security

6 findings

40/100

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

HBL Solutions leverages the banking license and infrastructure of Hypothekarbank Lenzburg AG to offer modular banking services to companies aiming to integrate financial products into their offerings. Their business model focuses on providing APIs and open banking platforms to enable seamless integration. The company targets fintechs, digital businesses, and enterprises seeking embedded finance solutions. Their ecosystem includes partnerships with multiple Swiss fintech companies and a strong emphasis on regulatory compliance and deposit protection. Growth indicators include a recent brand registration in 2023 and a portfolio of success stories with notable Swiss companies. The company benefits from the reputation and stability of its parent bank, positioning it competitively in the Swiss embedded finance market.

Security Posture Analysis

Comprehensive Security Assessment

The security maturity of HBL Solutions' web presence is moderate. The site employs cookie consent management via Cookiebot, ensuring GDPR compliance in data collection and user tracking. However, the lack of a valid SSL certificate severely undermines transport security, exposing users to potential interception risks. The absence of DNSSEC, CAA, and DMARC records further weakens domain security and email protection. No explicit security policy or incident response information is publicly available, which may impact transparency and trust. The site shows no signs of common SSL vulnerabilities but should prioritize certificate renewal and enhanced DNS security measures. Overall, while regulatory compliance is evident, technical security controls require significant improvement to meet best practices.

Strategic Recommendations

Priority Actions for Security Improvement

1

Obtain and deploy a valid SSL/TLS certificate immediately to secure all web traffic.

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

60/100
Score

Weak Strict-Transport-Security configuration

LOW

Current value: "max-age=16070400"

Missing Content-Security-Policy header

HIGH

Controls resources the browser is allowed to load

Missing Referrer-Policy header

LOW

Controls referrer information sent with requests

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

43/100
Score

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

Insufficient contact information

MEDIUM

GDPR requires organizations to provide clear contact details

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 Policy80% confidence
Cookie Policy0% confidence

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

25/100
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 NIS2 reference found

LOW

Consider explicitly mentioning NIS2 compliance efforts

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📧Email Security

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

Email Security

SPF, DKIM, and DMARC validation

40/100
Score

No SPF record found

HIGH

SPF helps prevent email spoofing

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

No email authentication configured

CRITICAL

Domain is vulnerable to email spoofing

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

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

100/100
Score
No issues found

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:91.198.58.176
Name Servers:
ns1.ip-plus.netDNS only
ns2.ip-plus.netDNS only
SOA:Serial: 2025021201, TTL: 21600s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:130ms

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 hblsolutions.ch compare?

See how hblsolutions.ch 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 Umbraco CMS platform, utilizing jQuery and Swiper.js for interactive elements and sliders. Cookiebot is integrated for cookie consent management, and Google Tag Manager is used for analytics and marketing tags. Hosting is managed via ip-plus.net nameservers located in Switzerland, aligning with the company's data residency claims. Performance metrics indicate a slow load time (~5.36 seconds) with a moderate number of resources (72) and a page size of approximately 193 KB. The site is mobile-optimized with good accessibility and SEO practices. However, the invalid SSL certificate and lack of security headers represent technical risks that could affect user trust and compliance. Modernization opportunities include improving SSL configuration, enabling HSTS, and optimizing resource loading to enhance performance.
Professional PDF & Marketing Data

Download the hblsolutions.ch report as PDF

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PDF Report & Export

PDF download, email delivery, unlock code

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

Domainhblsolutions.ch
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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