This is not difficult to find out.  When you're brushing your teeth while standing up straight, if a blob of toothpaste/water falls out of your mouth, does it fall on your chest or your stomach?  If it falls on your stomach, you have an unhealthy amount of belly fat.

Stand naked after you get out of the shower.  If you cant' see abs, or you can't drop a plum bob from your chin to your feet without hitting belly, you have an unhealthy amount of belly fat.

Do you have >20% body fat?  You have an unhealthy amount of belly fat.