A product to render flame- and fireproof surfaces and materials and inhibit the spread of fire on objects of various and diverse chemical nature and affinity, using non-toxic and non-carcinogenic basic fire and flame retardant intumescent mixtures with wide ranging chemical affinity, prepared in stable colloidal dispersion. The intumescent base comprises a colloidal solvent in which a source of phosphoric acid, a charring agent and a blowing agent are dissolved and dispersed. Intumescent mixtures are produced adding to said base flame spread reduction materials, thermal resistance enhancers, thermal transmission reduction and refractory, elasticity, water resistant materials and combinations thereof. Bipolar chemicals are also added to change the chemical affinity. Products are applicable on household, professional and industrial materials and objects, natural, synthetic and metallic.