Not 'BMI' overweight?

Is anyone else in the same situation as me- not TECHNICALLY overweight, according to your BMI but at the same time definitely a bit chubby? I'm 5 foot 3 and 9 stone 10, so my BMI is 24.1 which says I'm a healthy weight.

HOWEVER, I have quite a belly and a muffin top. My legs are very squat and hefty-ish. I have arm flab. I really don't get how this can be healthy. When I see my reflection in windows etc., I'm reminded of a Shetland pony. Not skinny, not FAT per se, but...chunky. Ish. I want to slim down and tone up.

Is anyone else the same? Oh, and do add me! I joined yesterday, so all I have is me and my invisible friends.