I feel for you. I am exactly where I want to be with my weight and still have some belly fat. I think it's mostly some loose skin but it looks a lot like a beer belly haha. I am at 160lbs now but even when I was very underweight, 130lbs, I still had it. I think the only was to completely get rid of it is plastic surgery. Also, while crunches are great for your core, it is my understanding that they don't actually do anything to get rid of belly fat specifically. Honestly, it is probably more noticeable to you than to anyone else. That's how it seems to be for me at least. Good luck though!