Is hkosig.hr Safe? Security Analysis for Hrvatsko kreditno osiguranje d.d.
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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
Hrvatsko kreditno osiguranje d.d. is a Croatian insurance company specializing in trade credit insurance and risk management, serving entrepreneurs and businesses seeking protection for their receivables. It holds a unique market position as the first and only Croatian company offering such services, supported by its subsidiary Business Info Service L.L.C. that provides credit information and analysis. The website is built on WordPress with standard plugins for SEO, forms, and cookie management, reflecting a moderate level of digital maturity. The site is accessible, mobile-optimized, and professionally designed, though it lacks explicit privacy and terms of service pages. Security posture is adequate with HTTPS and cookie consent implemented, but could be improved by adding security headers and incident response information. Overall, the domain registration is consistent with the business claims, indicating legitimacy.
Detected Technologies
14 urgent findings need attention
1 critical · 13 high
- + 6 more findings in the full report below
Keep hkosig.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
8 findings
15/100
GDPR Compliance
4 findings
40/100
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
The company operates in the finance sector, focusing on trade credit insurance and risk management. Its business model revolves around providing insurance products and expert risk assessment services to Croatian entrepreneurs. The presence of a subsidiary specialized in credit information enhances its service offering. The company targets business clients concerned with receivables protection and risk mitigation. The website's content and social media presence support a credible and professional market position. Growth potential is indicated by the specialized services and established domain age. Partnerships or related domains are limited but include the subsidiary mentioned.
Security Posture Analysis
Comprehensive Security Assessment
The website enforces HTTPS and uses a cookie consent mechanism, demonstrating baseline security and privacy awareness. However, the absence of security headers such as Content-Security-Policy and lack of published security policies or incident response plans indicate room for improvement. No vulnerabilities or exposed sensitive data were detected in the HTML content. The site does not disclose vulnerability disclosure or security contact information, which is a gap in security maturity. Overall, the security posture is moderate but could be enhanced by adopting best practices and transparency measures.
Strategic Recommendations
Priority Actions for Security Improvement
Publish a comprehensive privacy policy page to improve GDPR compliance and user trust.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
Hrvatsko kreditno osiguranje d.d.
Croatian Credit Insurance J.S.C. (Hrvatsko kreditno osiguranje d.d.) is the first and only insurance company in Croatia offering entrepreneurs protection for their receivables based on expertise in trade credit risk management. It operates alongside its subsidiary Business Info Service L.L.C. specialized in credit information and creditworthiness analysis.
good
consistent
Technical Stack
moderate
good
basic
good
Security Assessment
- HTTPS enforced (implied by canonical and resource URLs)
- Cookie consent mechanism implemented
- No exposed sensitive data in HTML
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is fully accessible with no blocking or WAF challenges
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🛡️Security Headers
HTTP security headers analysis and recommendations.
Security Headers
HTTP security headers analysis
Missing Strict-Transport-Security header
HIGHForces HTTPS connections
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 Cookie Policy found
HIGHGDPR requires clear information about cookie usage
No Cookie Consent Banner found
HIGHGDPR requires explicit consent for non-essential cookies
No Data Protection Officer mentioned
LOWLarge organizations may need to designate a DPO under GDPR
EU business without adequate privacy measures
CRITICALEU businesses are subject to strict GDPR requirements
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: 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 DKIM record found
MEDIUMDKIM adds cryptographic signatures to emails
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
🏆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
OCSP Stapling Not Enabled
LOWOCSP stapling improves performance and privacy
Certificate Transparency Not Implemented
LOWCertificate is not logged in Certificate Transparency logs
SSL Certificate Expires Within 90 Days
MEDIUMSSL certificate expires in 57 days
Weak SSL Key Length
HIGHSSL certificate uses 384-bit key, which is considered weak
Mixed Content Detected
MEDIUM3 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
No DMARC Record
MEDIUMDMARC policy not configured
DNS Records
DNSSEC Status
DNS Performance
SPF Analysis
⚡Network Security
Port scanning and network exposure analysis.
Network Security
Port scanning and network exposure analysis
High-Risk Service Exposed: FTP
HIGHPort 21 (FTP) is publicly accessible - FTP - Often unencrypted file transfer
How does hkosig.hr compare?
hkosig.hr scores below average. Browse similar domains to see how competitors handle security.
🔧Technical Analysis
Detailed technical findings and analysis from AI assessment.
Technical Analysis
Comprehensive security assessment findings
Additional Findings
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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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