Unfortunately your small tank (40 liters = 10 gallons) is not so much overstocked as inappropriately stocked. You could manage with the six cardinal tetras, though I sand most sources would never have this species is so small a space. But the silvertips are really not at all suited, they need a larger group (10+) and more swimming space. The honey gourami is OK alone, or with the cardinals. Again, not really very good here.
Tank maintenance is not the issue, it is the inherent needs of each species in terms of numbers of their own when it is a shoaling./schooling species, and/or swimming space. You could keep these fish in a 1 gallon bowl if kept clean, but that is not providing what th fish expect or need to be healthy.