71 obligations, a score out of 100: scan your broker website's compliance

Does your broker website display all 71 disclosures and obligations required by the FSMA, GDPR and sector-specific regulations? Most brokers we meet answer "probably". Probably is not good enough during an inspection.

We built a scanner that automatically analyses your website against 71 regulatory requirements and gives you a compliance score out of 100. It crawls your pages, checks each obligation, and delivers a detailed report. In 3 minutes, directly online at the FSMA analysis page.

Why a scanner rather than a checklist

We had already published a comprehensive checklist of FSMA obligations for broker websites. It remains a useful reference for understanding the regulatory framework point by point. But a checklist needs to be reviewed manually. It takes time. And some items are technical: is the conflict of interest policy reachable in one click? Does the cookie banner offer granular consent? Is the IPID document linked on each product page?

The scanner solves that problem. You enter your website URL. The tool automatically crawls your pages, analyses their content using AI, and generates a scored report by category. You see immediately where you are compliant and where there are gaps. No manual verification required.

What the scanner checks

The analysis covers four regulatory areas, each with its own checkpoints.

FSMA and IDD: 19 points. FSMA registration number, intermediary category, company registration number, Ombudsman contact details, remuneration method, conflict of interest policy, transparency about ties with insurance companies. Based on the Law of 4 April 2014 and the Practical Guide FSMA_2022_06.

GDPR and Cookies: 20 points. Privacy policy compliant with Article 13 of the GDPR, data subject rights, cookie banner with granular consent, accessible processing register, identified legal basis. Based on the checklist from the Belgian Data Protection Authority (APD/GBA).

Sector-specific regulation: 18 points. Obligations specific to credit (Book VII of the Belgian Code of Economic Law), anti-money laundering, sustainable finance (SFDR), accessible IPID and KID documents, distance selling, EAA accessibility.

Advertising and marketing: 14 points. Balance of benefits and risks on product pages, tax disclaimers, contextualised past performance, newsletter with compliant opt-in. Based on the Royal Decree of 25 April 2014 and Circular FSMA_2015_16.

Total: 71 checkpoints, verified automatically.

What the scanner reveals in practice

Since launch, we have scanned dozens of Belgian broker websites. The average score of a website built by a generalist web agency is around 41 out of 100. The most common gaps: conflict of interest policy missing, remuneration method not mentioned, cookie banner that ticks everything by default, product pages that only present benefits.

This result is logical. A web agency does good work on design and usability. But the regulatory framework for insurance brokerage now includes dozens of cross-referenced texts: Law of 4/04/2014, two FSMA circulars, IDD directive, Code of Economic Law, GDPR. No generalist web agency masters this framework.

BrokerWeb websites score an average of 93 out of 100. The difference lies in the structure: obligations are built directly into the template. The footer, legal notices, product pages, cookie banner, everything is pre-configured to comply with the Belgian regulatory framework.

How to launch your scan

Go to the FSMA analysis page and enter your website URL. The scanner crawls your pages and generates a detailed report within minutes.

You receive an overall score out of 100 and a score per category. For each non-compliant item, the report indicates what is missing and the corresponding legal basis. You can forward this report to your webmaster or compliance officer.

What to do if your score is low

A low score does not mean your website needs to be rebuilt from scratch. In many cases, the fixes are targeted: adding a missing disclosure in the footer, publishing a conflict of interest policy, fixing the cookie banner.

If the shortcomings are structural (no legal notices page, product pages devoid of any regulatory information, complete absence of a privacy policy), achieving compliance requires more substantial work. Learn how BrokerWeb solves this problem.

In both cases, it is better to identify problems yourself than to discover them during an FSMA inspection.

Compliance evolves, and so does your score

Regulations change. The Practical Guide FSMA_2022_06 was updated in September 2024. The European Accessibility Act came into effect in June 2025. SFDR requirements for sustainable finance continue to become more precise.

The scanner evolves with these changes. Each new obligation is added to the checkpoints. If you run the scan again in six months, the benchmark will be updated.

For BrokerWeb websites, these updates are automatic. When a regulation changes, all websites are adapted simultaneously. You maintain your high score through regulatory evolutions.

Scan your website now

Three minutes is all it takes to know exactly where you stand, point by point, with legal references for each obligation. Launch your scan.