Honestly, to protect yourself, it is best to expend your efforts to secure your identity and valuable personal data and financial transactions through private industry and governments. And I DO NOT mean buying software or identity theft services.
Since you reside in the EU and the EU does not have U.S. style credit file freezes, you are screwed. You can thank GDPR for that SNAFU. That said, for most Eurozone nations the identification requirements needed to mess with an individual's or business' credit and identify file, is typically much higher - if the bank or other financial institution does what it is supposed to do for the protection of the individual or business. Some argue that higher bar or standard negates the need for credit or identity file freezes, but that's just pure poppycock. The monied interests (e.g. banks, lenders, etc) in the Eurozone don't want any form of credit file freeze system. In fact, they lobbied the EU and individual nations hard to stop any such system - and in some nations it was the lobbyists that actually wrote the regulations for the politician that submitted it to Parliament for a vote. Essentially how the U.S. bing bong system works.
Paying for identity protection is a waste of money. One is better off paying for AV and then spending time and effort to learn what it can and cannot protect them against, why, what they can and cannot do about it, and what they need to do to protect themselves - dependent upon where on the globe one resides.
Since virtually every EU citizen's PII is already on the Dark Web, I would file fraud alerts and identity theft flags where possible with EU CRAs. Try. Even if they CRA says "Nope." Then keep trying. Come up with what they ask for to make the fraud alert stick - and you don't need to do anything illegal. It's already out there. You just have to find it and give it to them.
Use eIDAS & the New European Digital Identity Wallet where possible until it is proven to be a bunk, broken, ineffective system. The U.S. equivalent is something like ID.me.
The best protections supported by private industry and enforced by government are these nations:
Estonia
Sweden
Norway
Denmark
Finland
Iceland
Belgium
Austria
Switzerland will sell you out to the CCP for a price.
NOTE: I did have to use AI to lookup the best protections and all the details per nation. Everything else I've written I've known for a very long time. To be a protected citizen, you have to be a highly informed citizen, which - in the days of old - meant spending much time at a law school library on a routine basis.
Use AI to become a highly informed citizen - knowing the laws, regulations, and system under which you live. And always know what drugs you are carrying to another nation are illegal, even if prescribed by a fully licensed physician in your home nation.
@Divergent
