Definitely skinnyfat. This is exactly the image I have in my head when I think of that word.   "Healthy" weight   (almost) no visible collarbone   Fair amount of bellyfat   No muscle definition. Seriously - her calves are almost as wide as her thighs.    This is a girl that (kinda) watches what she eats, maybe spends 30 minutes a week on the treadmill, and has never squatted in her life.