I dont know if i have abs or fat?

ok this may sound odd, but when i felx my stomach it DOES change, quite a bit. no 6 pack but i cant tell if its globs of fat or abs. i do swimming every day, sit ups every day, so it should be abs right? well im just not sure, cuz its not a 6 pack and it does not stick out like fat so idk? i eat right. im a girl. i cant post pics cuz im only 12, and uh yeah. when i pinch my skin there is some skin but its not like some peopl... if you know what i mean... where is really squishy and gross.