That question is going to be answered differently by everyone as "fat" and "fit" are vague terms that can be defined in any which way.
If you're concerned about your overall fat/fit status, then ask your doctor. It's never as cut and dry as just altering your diet or activity levels like all of these articles will tell you. Those are good starting points, but not always the solution. Also looks only say so much. I'm a little squishy in the belly (those love handles tho) but my body fat % is 16% which is well within the healthy range. A doctor can take the measurements, crunch the numbers and accurately tell you these things, not some forum poster.
And if you're concerned about a stranger's fat/fit status, then mind your own damn business.