Well to be honest you are in the wrong area, however, I seriously doubt your question will be answered.
People store bodyfat in different areas, although in men it's most typically the stomach/hips area. I don't have hardly any fat in any other areas, so although I had big chubby love handles my bodyfat wasn't amazingly high. Some people though are fairly slim and toned but are holding fat on their legs chest etc, and their bodyfat could be higher, but in a deceptive manner.
I would recommend firstly you visit a Tesco extra store and find their bodyfat measuring machine and get yourself checked. Although machines arn't the most accurate they are probably the easiest to get an idea on where you're at.