Supermatrix models for M-theory based on

31 pages, no figures, LaTeX format, revised sec. 5.1 and 5.2, minor modifications and references addedInternational audienceTaking seriously the hypothesis that the full symmetry algebra of M-theory is osp(1|32,R), we derive the supersymmetry transformations for all fields that appear in 11- and 12-dimensional realizations and give the associated SUSY algebras. We study the background-independent osp(1|32,R) cubic matrix model action expressed in terms of representations of the Lorentz groups SO(10,2) and SO(10,1). We explore further the 11-dimensional case and compute an effective action for the BFSS-like degrees of freedom. We find the usual BFSS action with additional terms incorporating couplings to transverse 5-branes, as well as a mass-term and an infinite tower of higher-order interactions