Unfortunately is the diet… I went to the dietist last week... she said that in reality my percentage of muscle and fat are not so messed up as she thought from my first mail I sent her, but as my diet was indeed messed up, I have slim limbs and fat on pecs, abs and back, but mainly on abs. It's the way male body stores the fats that give the fat in first instance to the belly and then in the other parts of the body (females store the fat mainly on the bum and on the sides, and then on the belly and the rest).
If you already follow an healthy diet and go to the gym and similar cutting sugar all day and carbohydrates after luch usually help. Obviously if you eat healthy, you already have few fats in your diet and those you take are like olive oil or omega 3,6,9 (fish and nuts) and not butter, or animal fats.