I would say overstocked yes, at least in terms of fish who stick to the bottom of the tank.
I'm assuming the Columbian Neiva Geo are another geophagus? That isn't going to end well, especially in a 48" tank. At best you'll have a pummeled pictus, a feud with the Acara over territory, and potential hybrids as the geophagus breed with one another. At worst, the territory disputes will result in one surviving Geophagus male and females that're amiable to breeding. If they aren't Geophagus, you'll still run into a cornered catfish and spats with the Acara.
Also, while gravel won't hurt Geophagus they're sand sifters. I haven't kept Geophagus personally as my 125g (72") already had corydoras and I wouldn't keep them in my 48" tanks for the potential aggression, I can say that species who sift sand are night and day when it comes to their substate. My Bolivian rams and corydoras are infinitely more active and lively once I changed over to sand, and I would expect the same for Geophagus.