I guess everyone's got their own tastes, but I wouldn't call that a flat stomach and her thighs/lovehandles look pretty chunky to me. Not my deal, but to each their own.
*shrug*
The photo that initially made me say "pudgy" is this one from the OP. Pretty high body fat, doesn't look toned at all. I guess some guys find that sort of "thicc" attractive, but it ain't for me.