Hello my dear friend,
Your sentence is present continuous. It means that the girls are playing now and it will continue.
When you use ”The” before girls it means that you know which girls.
There are lots of different sentence “types” that you can choose from. The verb above is indeed present continuous. You could also say that the sentence is in active voice.
This is in opposite to passive voice. Active voice means that the person or thing that does the action (play with fire) is at the beginning of the sentence and you know exactly what the relationship between the girls and the fire is.