There are some theories that cooking increases the nutritional value of food (or the range of nutritious foods available) so much that humans would not have been able to develop our current level of intelligence without it. But that's speculative. Let's also assume you live in a climate where you can survive year-round.
Fire is a necessary stepping stone to a lot of other technologies. Without fire you'd never get metalworking, pottery, or glass. The materials that you could use include:
- knapped stone tools
- sun-dried adobe
- wood and vines (but only what you can fell/shape using stone tools)
- animal products including hide, bone, sinew, horn, fur, and hair (though cleaning and tanning are harder without fire)
I believe you can make papyrus or parchment and ink without fire, so it's possible that you could get writing, and a lot of the intellectual developments that follow from that.
Agriculture would be harder without fire because almost every civilization relies on cereals or tubers that need to be cooked. But you could potentially get around that with fermentation, especially if you had some way to make warm water (I guess keeping it at body temperature is pretty good, like the Alaskan gold miners who kept their prized sourdough cultures bundled up in their bedrolls with them).
It's hard for me to imagine a civilization that could get very far without fire. On the other hand, our civilization's penchant for burning stuff might end up killing us all, so maybe the fireless civilization would eventually surpass us, however slowly they move.