but is it ok to descend over the under shoot and flare before the numbers?
Only as long as there are no double decker buses trundling down the Abridge Road!
Seriously, that is why the displaced threshold is there
I know things will have to improve when I start the CPL, but at the moment an attempt to touch down on the numbers usually results in a 'crunch' it down on the numbers...
My instructor told me the best way to do it is to approach at the short field landing speed, which may put you on the back end of the drag curve in the speed unstable area (so watch it carefully), aiming point just before the numbers. Round out as usual, and once in the flare, when a satisfactory nose high attitude is achieved (and height - dont do it too high!!!), retard the throttle. The theory being that the a/c will touch down as soon as you retard, hopefully on the numbers!!
Anyway, this is just my understanding - my usual advice would be to seek the opinion of an instuctor.
PS The above was for C152/PA28 type thingys.