Matrizauto - The Shopping of Cars

What Matrizauto - The Shopping of Cars does

Matrizauto - The Shopping of Cars (legal name: Matrizauto Comércio de Automóveis, S.A.) is a Portuguese used and semi-new vehicle retailer headquartered in Braga and operating 11 physical megastores across mainland Portugal. Founded in 2005 and majority-owned by the diversified Grupo JAP conglomerate, the company holds a stock of 2,000+ vehicles across brands including Audi, BMW, Volkswagen, Renault, Peugeot, Hyundai, BYD, Dacia, and others, with typical prices between €11,000 and €34,000. Its core product is a 120-point certified vehicle sold with an 18-36 month warranty and a 30-day/1,000 km satisfaction guarantee.

The company is built on an omnichannel platform: customers can browse and reserve inventory online at matrizauto.pt with a €300 deposit, request a live video-call viewing via WhatsApp or Zoom, arrange financing through a Banco de Portugal-registered credit-intermediation license spanning nine partner banks (Cofidis, BBVA, BNP Paribas Personal Finance, BPI, Credibom, CGD, 321Crédito, CA Auto Bank, Santander Consumer Finance), purchase insurance, trade in their existing vehicle, and receive home delivery across mainland Portugal at no additional cost. Complementary services include trade-in evaluation, auto insurance placement, and a dedicated electric-vehicle storefront ('Matrizauto Eco').

The business model is multi-stream: primary revenue is one-time gross margin on used and semi-new vehicle sales, augmented by transaction-fee revenue from credit intermediation commissions, insurance placement, and trade-in purchases. The 11-megastore footprint (Braga, Porto, Aveiro, Viseu, Leiria, Coimbra, Almada, Montijo, Olivais/Lisboa, Loures, Sintra) is supported by a corporate sales program for fleet customers and a brand-marketing program (event sponsorships such as MEO Marés 2026, Lisboa on Top 2025) that has produced consecutive 'Prémio Cinco Estrelas' awards and 4.3/5 stars across 1,956 reviews.

Name

Matrizauto - The Shopping of Cars

Legal name

Matrizauto Comércio de Automóveis, S.A.

Website

https://www.matrizauto.pt

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

51–100 employees

Short description

Matrizauto is a Portuguese used and semi-new car retailer operating 11 physical megastores and an online sales channel across mainland Portugal, selling 2,000+ certified vehicles to individual consumers with in-house credit intermediation, insurance, trade-in, and home delivery.

Ownership category

akta.pro rank

Headquarters

HQ city

Braga

HQ country

Portugal

HQ region

Europe

Offices11 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Supply Chain, Operations, Personnel, Marketing or Sales, Infrastructure

Revenue model

1. Vehicle Sales: Primary revenue stream from sale of used, semi-new (seminovos), and new (0 km) vehicles. The company operates as a multi-brand dealership offering vehicles from brands including Audi, BMW, Volkswagen, Renault, Peugeot, Hyundai, and others. Revenue is generated through one-time vehicle transactions with prices ranging from approximately €11,000 to €35,000+ depending on vehicle age, mileage, and brand.
2. Credit Intermediation: Matrizauto acts as a credit intermediary (authorized by Banco de Portugal), arranging financing for vehicle purchases through partner financial institutions including Cofidis, BBVA, BNP Paribas Personal Finance, Banco BPI, Banco Credibom, Caixa Geral de Depósitos, 321Crédito, Ca Auto Bank, and Santander Consumer Finance. Earns commission on arranged financing.
3. Insurance Services: Auto insurance placement through partner insurance providers, offering both third-party and fully-covered policies with 24/7 claims support.
4. Vehicle Trade-In Evaluation: Evaluates and purchases customer vehicles as trade-ins. The company attributes fair market value to customer vehicles as part of the vehicle purchase process.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels8 records

Core offering

Matrizauto is a multi-brand used and semi-new car dealership operating as "The Shopping of Cars" with 11 megastores across mainland Portugal and a stock of over 2,000 vehicles. Its core offering is the retail sale of certified pre-owned vehicles (0 km, semi-new, and used) bundled with 120-point inspection, 18-36 month warranty, credit intermediation through multiple partner banks, auto insurance placement, trade-in evaluation, and free home delivery. The business runs an omnichannel model combining in-store retail with full online purchase capability.

Product overview

Matrizauto is a used and semifinished car dealership operating as 'The Shopping of Cars' with 11 megastores across Portugal. The core offering is the sale of certified used vehicles (over 2,000 in stock), supported by complementary services including vehicle evaluation/trade-in, credit intermediation through multiple bank partners, auto insurance, home delivery, and a 120-point certification with 18-36 month warranty. The company has expanded its digital capabilities with online purchasing, video call vehicle viewing, and a dedicated electric vehicle section (Matrizauto Eco). The business model combines physical retail presence with omnichannel services enabling fully remote vehicle purchases.

Differentiator

Problem solved

Functional benefit

Products and services

• Used and Semi-New Vehicle Sales Multi-brand retail sale of certified used, semi-new and 0 km passenger vehicles to individual consumers in mainland Portugal, with a stock of 2,000+ vehicles across brands such as Audi, BMW, Volkswagen, Renault, Peugeot, Hyundai, Fiat, Dacia, Maxus, BYD, Cupra and others, ranging in price from ~€11,000 to over €35,000.
• 120-Point Vehicle Certification Standard inspection and certification service in which every vehicle in Matrizauto's inventory undergoes a 120-point check and verification of complete maintenance history before being offered for sale, intended to assure quality and reliability of used and semi-new cars.
• Vehicle Warranty (18-36 months) Standard post-sale warranty bundled with every certified vehicle, providing coverage for 18 to 36 months with no kilometer limit, with optional extended warranty available.
• Credit Intermediation Authorized credit intermediation service arranging vehicle financing for buyers through nine partner banks; Matrizauto presents and proposes credit contracts on behalf of these institutions.
• Vehicle Trade-In Evaluation (Retoma) Trade-in / vehicle evaluation service: Matrizauto appraises a customer's existing vehicle against tire condition, mileage, interior condition and electronics, and offers a fair market value as part-payment for a new purchase.
• 30-Day Satisfaction / Return Policy Post-sale satisfaction guarantee permitting return of a purchased vehicle within 30 days or 1,000 km, reducing purchase risk for both in-store and online/remote buyers.
• Online Vehicle Purchase Full end-to-end digital vehicle purchase: browse inventory, reserve with €300 deposit, submit documentation, arrange financing or bank-transfer payment, and complete purchase for home delivery.
• Video Call Vehicle Viewing Scheduled video-call service (via WhatsApp or Zoom) with a sales consultant that lets customers remotely inspect a vehicle before purchase, supporting online and out-of-region buyers.
• Home Delivery Free vehicle delivery to the customer's address anywhere in mainland Portugal, typically within 3 days after reservation for financing purchases, included in the transaction.
• Auto Insurance Placement Placement of auto insurance through partner insurers, covering both third-party liability and comprehensive damage, including 24/7 claims support.
• Matrizauto Eco (Electric Vehicles) Curated offering and informational section for 100% electric vehicles, including examples such as the BYD Atto 2 and Renault 5 E-Tech, with guidance on autonomy, charging, ISV/IUC tax incentives and ownership benefits.

Quantifiable outcome

• 30-day or 1,000 km satisfaction guarantee on all vehicles
• +2 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Six partnerships are on record, tiered major and minor.

• MEO Marés FestivalmajorGTM or Marketing Partner · 1 January 2026Official Mobility Partner for the 2026 edition of MEO Marés festival. Matrizauto reinforces its presence in one of the largest national events, demonstrating commitment to initiatives promoting proximity, dynamism, and memorable experiences.
• Lisboa on TopmajorGTM or Marketing Partner · 1 January 2025Event sponsor for the Lisboa on Top 2025, a tri-series of challenges to the highest points of Lisbon city, organized by Walk and Run Portugal.
• Meia Maratona Odivelas – LouresminorGTM or Marketing PartnerOfficial sponsor of the Half Marathon, with Matrizauto cars serving as pace cars leading the peloton in the 21km and 10km races.
• Acreditar - Associação de pais e amigos de crianças com cancrominorGTM or Marketing PartnerSocial responsibility partnership. Matrizauto donated €100 per vehicle sold during the Boa Ação, Boa Compra campaign. Total of €6,000 was raised to support the association's work with children's cancer support houses and family programs.
• Associação Portuguesa de Apoio à Mulher com Cancro de MamaminorGTM or Marketing PartnerPartnership in the Corrida Sempre Mulher (Always Woman Race), where €116,000 was raised for breast cancer support.
• Bombeiros Sapadores de LeiriaminorGTM or Marketing PartnerPartnership with Leiria firefighters for Crossfire Firefighter Portugal event. Matrizauto provided a vehicle for the event which gathered approximately 100 firefighters from across the country.

Scale indicators4 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Caetano Auto: Major Portuguese automotive retail group (part of Salvador Caetano), operating multiple dealership brands across new and used vehicles. Comparable as a scaled multi-brand physical dealership operator in the same Portuguese market.
• StandVirtual: Leading Portuguese online marketplace for used and new vehicles, owned by OLX Group. Directly comparable as the dominant Portuguese platform for used car transactions, though operating a classifieds model rather than a stocked dealership.
• Auto1.com: Europe's largest digital used car platform operating across 30+ markets. Comparable as a multi-brand used car retailer with proprietary reconditioning processes (similar 120-point certification logic) targeting B2C and B2B sales.
• CarNext: Pan-European used car platform owned by Volkswagen Financial Services, offering certified used vehicles online with delivery. Comparable as a branded, certified used car retailer with omnichannel model similar to Matrizauto.
• Heycar: European online used car marketplace backed by Volkswagen, offering certified used vehicles from partner dealers. Comparable as a multi-brand certified used car platform targeting similar digital-first buyers across Europe.
• SIVA: Portuguese automotive retail group operating multiple dealership locations across Portugal for new and used vehicles. Comparable as a multi-brand Portuguese physical dealer competing for the same customer segments.
• OLX Portugal: Major Portuguese horizontal classifieds platform with a substantial used car vertical. Comparable as a primary alternative channel for peer-to-peer used car transactions in the same Portuguese market.

Emerging players

• Cazoo: Online used car retailer with integrated financing and home delivery. Comparable business model overlap (online-first certified used car retail with delivery), though Cazoo has restructured multiple times and operates at much smaller scale than initial ambitions.
• WeBuyAnyCar: UK-headquartered car buying service that purchases vehicles directly from consumers, complementing Matrizauto's trade-in/retoma service. Comparable on the vehicle acquisition side of the value chain.

Broad incumbents

• Spoticar: Stellantis's multi-brand certified used vehicle program operating across Europe with showroom and online presence. Comparable as a manufacturer-backed certified used car platform competing for similar B2C customers in Portugal and Europe.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Matrizauto.pt
• LinkedInlinkedin.com/company/matrizauto-o-shopping-dos-carros
• Instagraminstagram.com/matrizauto
• TikToktiktok.com/@matrizauto
• Xx.com/matrizautosc

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Matrizauto - The Shopping of Cars