Where Cyber Risk,
Meets Finance

VULC (VUlnerability Loss Calculator) transforms your cybersecurity department from a cost center into an enterprise business enabler. Analyze, Manage, Remediate, and Transfer cyber risks with the help of concrete business metrics.

Simulation Results Dashboard

Monte Carlo trial outputs and calculated risk bounds.

Annual Expected Loss

The total average loss across all simulations.

Total€ 29.4K
Regulatory & Compliance Fines€ 3.7K
Data & Privacy Breach€ 23.2K
Business Interruption€ 2.1K
Ransomware & Extortion€ 432

Cyber Loss Events

Average financial loss and probability of occurrence per loss type.

Ransomware & ExtortionRansom payments, professional negotiator fees & system restoration costs arising from ransomware or other extortion threats.9%
Business InterruptionLost revenue & extra expenses when operations halt - e.g. employees unable to process orders, serve customers or run online services.10%
Data & Privacy BreachForensic investigation, mandatory customer notification, credit monitoring, legal fees & PR costs after unauthorized access to or theft of personal or sensitive data.17%
Regulatory & Compliance FinesRegulatory fines, penalties & legal defence costs triggered by a breach or non-compliance.23%

Maturity baseline achieved: 33% baseline compliance.

Total Likelihood

Probability of at least one cyber incident occurring in a 1-year period.

23%1 successful incident ~ every 4 year(s)

Refined based on standard threat maps and local infrastructure resilience.

Loss Amount by Impact

Simulated annual losses at low (p50), average, and extreme (p95) scenarios.

Metrics represent losses given a successful incident

Financial Exposure Range

90% confidence interval of simulated annual losses.

Metrics represent losses given a successful incident
Min (5th)Max (95th)
μ
€ 240€ 29.4K€ 209.4K

Tail outcomes based on standard statistical spread models.

Loss Exceedance Curve (LEC)

Probability of annual losses exceeding any specific financial threshold.

Median Loss (p50)€ 172.8K
95th Percentile (p95) VaR€ 207.4K
90th Percentile (p90) VaR€ 198.7K
99th Percentile (p99) VaR€ 259.2K
Insurance Allocation Standard

Industry standards recommend configuring cyber insurance policy limits targeting the 95th Percentile Value at Risk (p95 VaR), with a retention (deductible) threshold set around the Median Loss (p50).

vulc.io • Cyber Risk Assessment Report
Vulc Logo

Cyber Risk Assessment Report

Risk Profile: FINANCE VERTICAL • DEU JURISDICTION • 123 EMPLOYEES

Date: August 8, 2026

1. Risk Profile Used for This Assessment

Industry Verticalfinance
Jurisdiction (Country Code)DEU
Employee Count123
Annual Revenue (€ EUR)
Security Maturity33%
Endpoints
On-Premises IT
Cloud Infrastructure
OT / ICS Systems
Identity & Access
Detection & Response
Perimeter & Network
Data Protection
Governance & People

2. Expected Annual Loss & Segment Breakdown

Annual Expected Loss€ 29.4K
Category Split
Regulatory & Compliance Fines
€ 3.7K
Data & Privacy Breach
€ 23.2K
Business Interruption
€ 2.1K
Ransomware & Extortion
€ 432

3. Cyber Loss Events Likelihood

Ransomware & Extortion9% annual probability
Business Interruption10% annual probability
Data & Privacy Breach17% annual probability
Regulatory & Compliance Fines23% annual probability

4. Threat Likelihood Summary

Total Threat Probability23% chance of incident
Expected to experience a cyber event once every 4 years on average.
This is a snapshot, not the full picture

Rerun this exact model with your own numbers, free, no signup required, in seconds.

To vulc.io
vulc.io • Cyber Risk Assessment Report
Vulc Logo

Cyber Risk Assessment Report

Risk Profile: FINANCE VERTICAL • DEU JURISDICTION • 123 EMPLOYEES

Page 2 of 2

5. Cyber Loss Severity by Impact Level

Loss severity bounds across Extreme (95th percentile), Average, and Low simulation trials.

6. Actuarial Exceedance Probabilities (LEC)

Probability that total annual losses exceed a given threshold, used to size insurance retention and limits.

This is a snapshot, not the full picture

Rerun this exact model with your own numbers, free, no signup required, in seconds.

To vulc.io
Algorithm Methodology

The Science of Cyber Risk Propagation & Financial Impact

Understand how our algorithm works to move beyond static scoring. Vulc uses stochastic modeling and advanced attack-path simulations to map how cyber risk cascades through your infrastructure, quantifying your exposure with actuarial precision.

Learn More
Algorithm Display

Solutions for every stage of cyber risk

Centralize cyber risk in a single platform, to transform the cyber department from a defensive necessity to a proactive business driver.

Centralized Multi-Client Command Center

Transform your security advisory into a data-driven revenue engine. Manage all your clients from one central dashboard, identify upsell opportunities, and deliver boardroom-ready reporting that justifies your retainer.

Centralized Multi-Client Command Center

Make Smarter Security Investment Decisions

Prioritize cybersecurity investments based on financially quantified risk scenarios and align your security strategy with real business value.

Make Smarter Security Investment Decisions

Translate Cybersecurity Into Business Language

Communicate cyber risk with confidence and simplify regulatory compliance by financially explaining cyber risk exposure and relative business impact.

Translate Cybersecurity Into Business Language

Approach Your Cyber Insurer With Knowledge in Hand

Gain insights to decide on the optimal cyber insurance and drive more cost-effective terms and conditions that keep your organization resilient.

Approach Your Cyber Insurer With Knowledge in Hand

Send the Cyber Risk Department into the Future!

Start today and transform the way your company views cyber risk!

Open Web Engine