You asked for honesty, so here it goes:
yes, you do have a tiny bit of pudge. I wouldn't call it a belly. It is probably invisible under your shirt and it is PERFECTLY NORMAL; the female stomach is supposed to naturally have a little bit of fat on it - that makes childbirth easier. Concave stomachs are rare. You are 5'6-5'7" and 127 pounds... that is a great weight!
Your stomach looks pretty decent in the sense that you don't have loose skin and stretch marks. My stomach is very flat, but probably looks much worse than yours does due to the nasty loose skin that I unfortunately acquired from losing 6+ inches off my waist.
You really SHOULD join the Six Pack Abs/Bikini Ready Bodies Club threads. There's all sorts of advice there regarding getting great abs (in addition to a ton of women whining about how we don't have perfect abs

)