Hello,
If the floor structure is designed for 200 kg/m² and if the floor had a 100% utilization rate at the time of design, it will theoretically fail if this load is exceeded. However, it is more likely that there will be greater deformation with a smaller overload.
There are safety margins built into the materials; the materials can often withstand more than what is permitted by the building code to account for in design. Additionally, it is usually the characteristic load that is referred to when someone states how much a floor is designed to bear. For example, residential floors are typically designed for 200 kg/m² from variable loads (people, furniture, etc.), but this load is then multiplied by 1.5 during design, thus also adding a 50% safety margin.