I think she's talking about percentages for all those numbers.  My bf% is also 12, my BMI is 23 something, and I have to agree that it'd be hard to argue that you're not fat with 25% of your weight being made up by fat. If you're a little over 25 on the BMI scale you may just be that muscular (though that's a lot of muscle and it will be mighty obvious that BMI doesn't apply to your body composition), but over 25% body fat is just... fat.