Have you looked at

Control Panel/Administrative Tools/Computer Management/Storage/Disk Management

That will tell you exactly how your disk is set up. There may be more than one partition and indeed the other partition could be hidden.

Total commander says:
---------------------------------------------------------------------------------
Total space occupied:
64 222 842 667 bytes in 130 247 File(s),
in 11 750 directories
Actual space used (considering cluster size) on source drive: 64 554 205 184 Bytes
Required on target drive: 64 554 205 184 Bytes
d:\: 5 224 676 k of 244 196 000 free
------------------------------------------------------------------------------------
244GB total, 5GB free, 64GB user - what the hell is going on with my disc?

May be only 69 GB is partitioned, and the remain is not!
Go to :
Control Panel/Administrative Tools/Computer Management/Storage/Disk Management

and post here what you see!

Here is screenshot from manager - so am I dumb, or is there something wrong ?

I'm not sure anyone understands whether you have a problem to be solved.

Total Commander and Disk Management agree on your available disk space. You could view that free space in the analysis window of disk defeagmenter.

or what is it you want us to advise on?

Ok everything seems fine on DMGT.
Check for hidden files by showing hidden folders and even system folders (Be careful to do nothing with any folder just check properties to get what they occupy) If nothing found I woud suspect malevolent software invasion

240Gigs total, 5 free, 64 used (total commander), I need find out where is 190Gigs of my drive space? Check disk reports averything is OK.

.. And what does Windows Explorer report?

What does a belt and braces look at what's below the root reveal in terms of used count (including hidden & system files)?

What does the DEFRAG analysis tell you?

total commander doesnt count shadow copies and system restore points

remove old ones via the second tab under disk cleanup.