The only reliable way to find out if you're skinny fat is a body composition measurement — weight, waist size, or a guess based on appearance won't show it on their own. InBody breaks your weight down into fat, muscle, and water, giving you an answer that neither BMI nor a bathroom scale can provide.
When you read the result, it's worth focusing on four things together: body fat percentage (PBF), muscle mass relative to the reference range, visceral fat, and how these figures relate to each other — the fat-to-muscle ratio. Any single number on its own, without that context, tells you very little.
The general direction for addressing skinny fat is a combination of strength training, which builds and maintains muscle mass, and enough protein in your diet. Specific numbers, meal plans, or training programs are best worked out with a trainer or nutrition professional — general guidance is no substitute for an individual plan.